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. I have heard some carriers that don’t cover this, though. That’s why your agent is the best resource. Your comprehensive and collision doesn’t extend for every company that I’ve heard from. 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.
To make sure that you are covered for the moving truck, you need to get the physical damage insurance from the rental company.
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.