Auto Insurance Cover for Rented Moving Van?
Auto Insurance For a Moving Truck
Will my vehicle insurance cover a rented moving truck?
If you’re making a big move, you may not be able to cram everything in your vehicle. Instead, you might have to rent a moving van or truck. Before loading up, make sure your vehicle insurance covers the rented turck.
Using your personal vehicle insurance policy
Most rental companies offer extra insurance coverage that you can purchase at the counter. Although you want to make sure you, the rental van and your belongings are protected, you don’t want to pay for extra coverage you don’t need. That’s why it’s important to call your auto insurance company first — when you rent a truck, some of the protections you have under your personal vehicle insurance policy will extend to the rental. Some insurance companies won’t extend your coverage to cars over a certain weight, which could be a problem with large moving vans.
The Washington State Office of the Insurance Commissioner recommends asking your car insurance company the following questions:
- Will your auto insurance cover damage you cause to the moving truck itself?
-Will your policy cover you if you injure a pedestrian or another driver while using the truck-van?
-Will your coverage pay for loss-of-use charges the rental company charges you if the truck needs to be fixed and can’t be rented out to others?
-Will your insurance policy cover damage you cause to others’ property with the van-truck?
Getting extra insurance coverage
If you’d like to beef up your auto insurance coverage, rental companies generally offer two main types, according to the NAIC:
Limited damage waiver insurance: This covers any damage that you cause to the van-truck so that you don’t have to pay for repairs.
Supplemental liability auto insurance: This covers claims made against you or the moving company because of injuries or damage you cause with the van-truck.
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