Does My Car Insurance Cover Uhaul Rentals

Generally speaking if the vehicle has a full 1-ton towing capacity normally designated as an F-350 or 3500 on the vehicle or smaller then your policy will extend to cover that vehicle just like renting a car. Last time I rented a U-Haul I decided to buy their insurance. It was like 14 and it just made me feel better considering how big the truck was and the likelihood that my CC wouldnt cover it.

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Do You Need Car Insurance To Rent A U Haul

Based on the size of the vehicle it may not be covered on your personal auto policy.

Does my car insurance cover uhaul rentals. Your Car Insurance Typically Doesnt Cover your U-Haul Truck Rental. With your policy they are probably are right about the 20 foot truck being covered but I would get the SafeMove plus as it literally covers everything. Many rental vehicle companies offer insurance to their customers but its often much more expensive than what we offer and it may not cover as much.

You would like to temporarily have protection you dont currently have such as emergency road service personal injury protection PIP or medical payment coverages. If its not inside the truck its not included. Generally your own car insurance policy will not extend to a U-Haul Ryder Penske or other type of truck you rent to move your belongings or to a rented trailer.

While not required its a good idea to buy insurance for your U-Haul rental as standard personal auto insurance and credit card insurance likely wont cover you when renting large trucks or vans. For instance you may find that the personal property coverage in your homeowners insurance policy provides some coverage for the belongings youre transporting but doesnt cover damage to the rental moving truck. Your personal car insurance has a very high deductible doesnt include adequate collision liability or comprehensive coverage or doesnt cover rental cars some dont.

A U-Haul is very likely to surpass those size restrictions. To find out whether your car insurance would cover U-Haul rentals youll want to reach out to them directly. Make a call to your insurance agent to ask whether your homeowners or car insurance policies extend to your rental moving truck.

Yes but only to the state minimums which are sometimes low. U-Haul insurance wont cover damages to your car if youre towing it behind your rental truck. As U-Haul says on its website.

While things like fire or extreme inclement weather is covered under the Safemove plan youre not covered if the truck suffers mechanical damage ie. Like other rental companies U-Haul offers protection plans at various levels to ensure you are covered against liability due to accident or injury. Even if your coverage extends to rental trucks there are typically size restrictions on those rental trucks.