Even if your policy covers some car or truck rentals there may be exclusions based on the truck size or weight.

Does my car insurance cover a rental truck. Make a call to your insurance agent to ask whether your homeowners or car insurance policies extend to your rental moving truck. Or if your coverage does extend to rental trucks there are generally size restrictions which a U-Haul is very likely to surpass. If youre planning to rent a moving truck youll need to check on the companys various insurance and protection plans.

Rental car insurance often has diminished value coverage. Check your personal auto insurance policy to determine if youre already properly covered and are able to decline the offered coverage from the rental company. If youre renting a moving van which is similar in size to a passenger van theres a better chance that a personal auto policy would cover it but dont assume so.

The caveat is that this coverage extends to the same limits of your personal auto insurance policy. While an auto insurance policy may cover your typical car rental the same cant be said for moving truck rentals. 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 youre renting a moving van which is similar in size to a passenger van theres a better chance that a personal auto policy would cover it but dont assume so. To make it easier for you weve put together our guide to purchasing rental truck insurance below. Although physical damage coverage for example comprehensive and collision on your policy extends to non-owned vehicles in most locations there is no coverage for fees the rental company may charge for.

If you dont have diminished value coverage you may be on the hook for any loss of resale value caused by the accident. Your current policy may also have restrictions that exclude the type of vehicle youre renting such as a truck motorcycle or recreational vehicle. Many auto insurance policies dont cover large truck rentals.

If you have a Progressive auto insurance policy the good news is that youre also covered for rental cars. Rental trucks are of a different weight. Most car insurance policies wont double for U-Haul rental truck coverage.