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John - You can see the Mills mooring cover details on their website, linked here. I do not know why they usually don't go over the rails. Instead the covers have slits for bow rail stantions. I think the covers are designed for lower speed trailering, but I never done it, so can't give you much help on that one. To me, it seems like the cover could get torn up, and possibly damage the boat. I always trail wide open.