That is a good question that you should definitely know before you get into an accident situation.
When you rent a U-Haul or moving truck, your liability extends. However, your comprehensive and collision doesn’t. This means that if 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?
Liability for damage you cause to other parties and their vehicles
What Am I Not Covered For When Renting a Moving Truck or U-Haul?
Physical Damage to the moving truck itself.
*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.