Getting in an accident is always stressful, but getting in a car accident while you are moving can be even worse. That is why ensuring you have insurance or coverage during your move is very important. The safest drivers can still experience accidents.
Question: Will my auto insurance company cover my rental truck during my move?
Answer: You need to check. Auto insurance doesn’t typically cover moving trucks. Credit card companies will unlikely cover damages. Without insurance or coverage on your truck rental, you can be liable for the complete value of the vehicle. The best thing you can do is call your insurance agent before your move or read your policy very carefully.
Top 10 insurance companies according to US News:
Question: My auto insurance doesn’t cover me. What are my options?
Answer: You can always cross your fingers and pray, but that probably isn’t the best of ideas. Many rental companies, however, do offer you coverage for your move. U-Haul offers two different levels of Safemove coverage. We have a quote of $15 for Safemove, which covers damage and theft of the truck, damage to your belongings, and medical/life protection for you and your family. U-Haul Safemove Plus also includes additional liability coverage and is $28.
Many of these terms can be confusing, so check back soon for an in-depth explanation and comparison we will be posting.
Question: I think my insurance covers me; is there any reason to still purchase the damage coverage from my rental company?
Answer: Yes. First, if you file a claim with your company, your rates may go up afterward, meaning you will still pay for it long after your move ends. Secondly, the damage coverage will also cover your cargo, and your insurance company may not. You will have to deal with your auto insurance carrier. However, the rental company will still request payment.
Question: What if something is stolen during my move or my truck is stolen?
Answer: If your truck is stolen, it will likely be covered by the rental company if you purchased coverage. The theft of your belongings, however, will not be covered. You should check with your homeowner or renter provider. Please call Equipment Recovery at 1-800-528-0355 or by email at equipmentrecovery@uhaul.com if you are experiencing this.
Question: My items were damaged. What happens now?
Answer: If you purchased liability and cargo coverage from the Truck rental company, damage to your belongings might be covered depending on how the damage occurred and if your items were properly packed (see some packing tips here.) Damage to cargo is typically only covered due to an accident, rollover or other non-standard occurrence. Damage to cargo during regular driving is typically not covered.
Question: I am moving with a trailer. Will my insurance cover that?
Answer: Your auto insurance should cover any damage to your car according to your policy guidelines. Your auto insurance will likely not cover any damages to the trailer you tow unless you own the trailer and your policy specifically covers it. If you rent a trailer, as with trucks, U-Haul offers Safetow damage coverage.
Conclusion
Moving can be stressful, especially when it comes to safety and insurance coverage. While accidents can happen, it’s important to ensure you have adequate insurance or coverage for your rental truck. Auto insurance usually doesn’t cover moving trucks, so it’s essential to check with your insurance company beforehand. U-Haul offers Safemove coverage options to protect against damages and theft. Even if your insurance covers you, purchasing additional coverage can save you from potential rate increases and provide protection for your cargo. Remember to review the terms and conditions of your coverage and ask any necessary questions to avoid unnecessary headaches.
For more tips, follow us on Facebook, Instagram, Twitter, and Pinterest!
