Auto Insurance Claims: accident with trailer; is the trailer covered? Contents?, fish tail, wind gust

Question
I use the trailer for a part-time business.  I pay taxes on the trailer as personal use to the county, because it is used less than 50% of the time for business.  I own the trailer and tools.  It was sunday, and i was not working with it. I was not conducting business at that time.  I carry business insurance with the trailer/mower/tools listed on that policy.  I was told not to report it to my business insurer- to wait and see what the auto policy pays.  This advice was just from a friend who thought the business insurace would drop me after a claim.  I still dont know what caused me to fish tail... could have been a passing tractor trailer that had a wind gust.... but I dont know.
Thanks so far for your help.


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Followup To
Question -
Thanks for the quick response.  After the jack-knife- it caused me to crash into the embankment (dirt) and the truck and trailer came to rest on their side.  A fire truck right-sided both the truck and trailer.  The contents of the trailer damaged was a chain saw.  I was taking a 10K lawnmower to the shop and it smashed the saw during the crash.  The trailer is not listed on the auto policy.  The same company USAA handles my auto and homeowners.
Trevor-------------------------
Followup To
Question -
I was involed in an auto accident.  I was the only vehilce involved.  My trailer fish tailed and then jack-knifed.  My pick up and the enclosed trailer was damaged.  Will my auto policy cover the trailer as well?  I view the trailer as a total loss.  I had some contents damaged as well.  Both the truck and trailer were a 2005 model.
Thanks
Answer -
The loss will be considered a COMPREHENSION (COMP) loss as there was no "collision with a fixed object" involved and will be subject to the COMP deductible.

Is your trailer listed on you policy and separately insured?

If not, you'll need to read your auto policy and see if the trailer is insured under that form... there may be a size and/or valuation limitation if the trailer is not listed and separately insured.

When you say "contents" are you talking auto-related contents or household-related contents?  If the latter then you will need to claim that under your Home Owner's policy and that will be subject to a separate deductible under that form.

What caused the trailer to fish-tail?  Does that make/year trailer have a history of similar accidents?  If so you may want to further research and see whether you MAY have a products claim v the mfg and/or retailer/seller(dealer) of the trailer?

The same question can and should be asked about the hitch/connecting device.

Hope and trust that I have answered your question and provided some direction.

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Thanks
Answer -
Do you OWN the chain saw and the pricey mower?  

Are the chain saw and pricey lawn mower business equipment?

Even though you hit an embankment what will control whether this is a COLLISION (COLL) or COMPREHENSIVE (COMP) loss is the cause of the loss of control.. accordingly this is a COMP loss and not a COLL loss.

Is the trailer owned by you?

Is the trailer business property?

Get back to me with answers and we'll go from there...  

Answer
As the trailer and its business-related equipment is specifically insured under a business form/policy then that is where you NEED to make your claim.

If you knowingly try and present the claim to your personal auto carrier you could well be deemed to be trying to perpetrate a fraud on your personal auto carrier and that could well be cause for a flat cancellation.

Present the claim to your business carrier and go from there........

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Thanks