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.
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:
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.
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.
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).
After 23 Years of serving our clients at our location in Beaumont, CA it is with a heavy heart that we are consolidating our operations to our Banning Office. We will be available all the same hours and will work to make this transition as smooth as possible. Thank you for your continued business and we look forward continuing to serve your insurance needs. Our contact information will stay the same so feel free to contact us.