Your Car Insurance Typically Doesnt Cover your U-Haul Truck Rental.

Does your auto insurance cover uhaul. According to The Zebra if you decide to rent a U-Haul truck that has a full 1-ton towing capacity similar to an F-350 or 3500 or smaller your personal car insurance policy should extend to. A zero-deductible damage waiver that pays for all accidental damages to the rental truck. 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.

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. It is important to understand that while your policy may extend to the rented U-haul your personal contents inside the vehicle would not be covered if you are considered At-Fault in an accident. Based on the size of the vehicle it may not be covered on your personal auto policy.

But some U-Haul insurance packages also protect your cargo from damage caused by a collision fire or storm. American Expresss exclusions include cargo vans and box trucks. For example if you have liability only coverage on your policy you would have liability only coverage for the car or U-Haul you are renting there would be no physical damage coverage.

When you rent a car your existing car insurance policy often covers your rental car as well. U-Haul does not accept outside insurance. This means property damage and bodily injury you cause another party may be covered by your car insurancejust not damage you.

However you should check with your credit card company to be sure. Those personal items would have to be covered under your home or renters insurance. The U Haul truck will fall out of the bounds of personal auto used for pleasure and also the weight category put the vehicle is the commercial range which is 10000 lbs or higher.

Damage coverage is essential because all major credit cards and most car insurance policies do. However if you have collision and comprehensive on the vehicle on the trailer it should cover the car if its damaged during transport. If you happen to be renting a truck with a towing capacity larger than 1-ton you would need to purchase coverage through U-haul because a personal auto policy would not provide coverage for a vehicle of that size.