Will my auto insurance policy cover a truck rental.

Does my state farm auto insurance cover rental trucks. State Farm does NOT cover anyone on a rental car damage except a relative. Remember your State Farm auto insurance will only cover up to the limit of your own vehicles policy. Rental car insurance coverages you may already have on your auto or home policy.

This is mainly because a moving truck is not a private passenger car and does not meet the conditions to receive comprehensive or collision coverage. Many auto insurance policies dont cover large truck rentals. If you cause an accident while driving the rental your liability insurance would pay up to your policy limits for the damages to other cars or property.

If you presume that your personal insurance will cover you in these rental truck situations as it might in a rental car. A zero-deductible damage waiver that pays for all accidental damages to the rental truck. Farmers auto policies cover most types of rental vehicles including passenger cars pickup trucks and SUVs.

Make a call to your insurance agent to ask whether your homeowners or car insurance policies extend to your rental moving truck. Since nearly every state requires liability insurance your personal auto policy already protects you against any damage or injury you cause while driving a rental car up to the limits of your policy. Physical Damage Insurance and Rental Trucks While personal liability coverage does extend any physical damage coverage you carry on your private passenger cars will not extend to your rental.

If your rental car is stolen vandalized or damaged in an accident a loss-damage. A relative is defined as someone who makes their primary residence at your home. This means you may assume the risk if you use your own vehicle for the move.

What U-Haul insurance covers. Budget Truck Rental offers a more ominous warning. Cargo coverage that pays for damages to your belongings inside the rental truck.