If I rent a U-Haul, will my auto insurance policy provide coverage on it?
UPDATED: Mar 10, 2014
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Asked March 10, 2014
When you rent a U-Haul, you are agreeing to accept full responsibility for the vehicle while it is in your possession. Since the cost of a U-Haul truck is usually much higher, the limits of your auto insurance are not sufficient to cover the liability faced when renting a U-Haul. Even if your insurance company will cover the vehicle, you may be required to pay higher deductibles or pay one-time fees.
Many auto insurance policies include rental car reimbursement to help cover the additional costs of transportation if your vehicle is totaled or unusable for a period of time. The problem is that most car insurance policies do not include the rental of moving trucks is excluded because of the high cost of the vehicles.
Another problem you may face with using your auto insurance to cover a U-Haul rental is that the policy will not travel with you across state or national borders. Before you decide to use your car insurance as coverage, make sure to contact your insurance company and let them know your destination and how long you will have the U-Haul. Without that information, the insurance company could deny a claim because you traveled outside of the company's authorized coverage area.
The only sure way of knowing whether your policy includes a U haul truck is to contact your insurance company. Some companies will extend coverage for free, while others will provide temporary coverage for a small additional charge, and the rest may not cover a U-Haul rental at all.
The rental company will usually offer rental insurance when you pay for the rental. This amount is small compared to the possible costs of repairs or replacement, and will work no matter where your destination may be, such as across the country or even into another country such as Canada or Mexico.
Answered March 10, 2014 by Anonymous