That is a good question that you should definitely know before you get into an accident situation. The best resource for this is your agent, the policy contract itself, or your insurance carrier.
When you rent a U-Haul or moving truck, with some companies your liability extends. However, this doesn’t apply for all policies or all carriers. Some carriers don’t cover U-Haul or moving trucks. That’s why your agent is the best resource. Even the companies that offer liability, often don’t cover comprehensive and collision. This means that if your insurance extends liability and you hit another car, your insurance will cover that person’s injuries and car up to your liability limits. However, the damage to the U-Haul or moving truck wouldn’t be covered.
Related: To rent a U-Haul, visit their website.
To make sure that you are covered for the moving truck, you need to get the physical damage insurance from the rental company. And if your policy doesn’t cover the liability, you would need to purchase that from the rental company as well.
We hope that you have a safe move. Remember to contact us at Think Safe Insurance for your renter’s insurance or homeowners insurance if you haven’t already. You can reach us at 813-425-1626 or request a quote online.
What Are You Covered For When Renting a U-Haul or Moving Truck?
For many carriers, Liability for damage you cause to other parties and their vehicles, but not all. Make sure you review your policy contract or speak with your agent.
What Am I Not Covered For When Renting a Moving Truck or U-Haul?
Physical Damage to the moving truck itself. For some carriers, no coverage at all including no liability.
*This applies for most standard insurance policies. As always, you should check your policy packet for your policy specifics. This is especially true if you aren’t insured through Think Safe Insurance carriers at this time.