Does Your Car Insurance Cover Rental Trucks?

Moving can be stressful and time-consuming, and renting a moving truck is often a popular choice to simplify the transportation of your belongings. However, one crucial question when renting a moving truck is whether your car insurance policy covers any potential accidents or damages that may occur during the rental period. In this article, we will explore the topic of car insurance coverage for rental trucks and discuss whether additional insurance is necessary.

Does Car Insurance Cover Moving Trucks?

Car insurance policies typically cover personal vehicles like cars, SUVs, and motorcycles. However, when it comes to rental trucks, the coverage may vary depending on your specific insurance policy and the truck you rent. Personal car insurance typically does not cover rental trucks used for moving. Here are some key points to understand:

1. Weight Exclusions: Policies may not cover vehicles over a certain weight or with a high load capacity.
2. Specific Purpose Exclusions: Some policies exclude vehicles for hauling cargo, such as freight and moving trucks.
3. Liability Coverage: If your policy does not exclude moving trucks, liability coverage may extend to the rental truck, covering property damage and personal injury claims if you're at fault.
4. Physical Damage Coverage: Your personal car insurance's collision and comprehensive coverage likely won't apply to rental trucks. You may be responsible for repairs and potentially charged a "loss of use" fee by the rental company.
5. Consider Additional Protection: Assess your coverage limits and purchase additional insurance from the rental truck company to ensure sufficient security during your move.

Do I Need Extra Insurance When Renting a Moving Truck?

The rental company typically offers various insurance options when renting a moving truck. One standard option is a Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). This type of insurance covers the cost of damages or theft of the rental truck, limiting your liability in case of an accident. However, it is essential to carefully review the terms and conditions of the CDW or LDW policy to understand any limitations or exclusions.

Depending on your car insurance policy, you may already have liability coverage for rental trucks. Verifying this with your insurance provider is crucial to avoid duplicating coverage or leaving any gaps.

Do You Need Additional Insurance When Renting a Truck? 

You may not need extra insurance from the rental company if your car insurance covers rental trucks or you have personal umbrella liability coverage. Evaluate your existing coverage and consult your insurance provider to make an informed decision about additional insurance options offered by the rental truck company.

Personalized Rental Truck Insurance With an Expert

If you have any further questions or need assistance understanding your car insurance coverage for rental trucks, contact Little & Sons Insurance. Our knowledgeable team can provide personalized guidance and help you make informed decisions to ensure you have the right insurance coverage for your needs. Call us directly at 1-844-9LITTLE (548853).