Will my auto insurance cover a rental truck?
Check your policy to see if you have rental coverage. If your auto insurance provider won't cover you, the rental company may sell the required coverage.
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UPDATED: Oct 20, 2021
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- If you need to rent a truck for moving purposes, you may be asked for your current auto insurance information from the rental company to have it on file
- You can contact your current auto insurance provider to see if you are covered for a rental truck
- Keep in mind that the size of your rental truck matters in terms of whether it would be a covered vehicle under your existing auto insurance policy
- If you find out that you are not covered for a rental truck under your existing auto insurance policy, then you may be able to add supplemental coverage
Getting ready for a move can be a stressful event, so it is good to get all of your questions about a rental truck that you are using answered ahead of time.
If you have a current auto insurance policy, a rental truck may be covered under your existing policy. You should ask your auto insurance agent before purchasing any additional coverage from the rental truck company.
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Coverage for a Rental Truck Under Your Current Auto Insurance Policy
If you already have an auto insurance policy, it is possible that you may be covered for rental truck usage. The best way to find this out is to check the terms of your specific policy.
If you do not have a copy of your policy or are uncertain about your coverage for a rental truck, you can also call your auto insurance agent directly.
Keep in mind that the type and size of rental truck you choose to rent will affect whether the truck is covered under your existing auto insurance policy.
What you need to pay close attention to is any exclusion for the size and type of a rental truck under your auto insurance policy. Typically, larger trucks that include a trailer may not be covered under your auto insurance policy.
This could be confusing because many of rental cars are generally covered under a typical auto insurance policy.
Even if you are not involved in an accident with your rental truck while moving, it is possible that the rental truck could be vandalized or stolen. You should clearly understand what coverage you have to protect you in these scenarios.
You may want to consider purchasing additional insurance from the rental car company in case of the total loss of the vehicle.
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Purchasing Auto Insurance Coverage for a Rental Truck
As always, it is best to ask your agent about the specific terms of your policy before you assume that you are covered.
If your auto insurance company does not offer you an option to purchase additional coverage for a rental truck, you can work with the rental truck company directly to purchase the required coverage
Another important thing to keep in mind is that insurance requirements vary across state lines. In addition, some auto insurance companies are not licensed to practice in all states.
If you are moving out of state, you will want to make sure that you have at least the minimum required amount of auto insurance to drive your rental truck out of state.
You can consult with your state department of insurance or state department of motor vehicles to find out what the specific coverage requirements are in the states you are traveling through.
Check with Your Credit Card Company
If you find out that you do not have coverage for a rental truck rear existing auto insurance coverage, another source of insurance coverage may be through your credit card company.
You can call the number of your credit card company by locating it on the back of your credit card. You should ask them about any exclusions for the specific size or type of truck you will be using for your move.
The type and amount of coverage you may be able to get through your credit card company will vary across companies. It will also be affected by the type of credit card account that you have with the company.
Even if the credit card company provide some level of coverage, you may find that you would want additional coverage from the rental car company to make sure that you are fully protected in the event of an accident.
Auto Insurance in a New State
If you are moving to a new state, this is a perfect time to consider whether you should explore other options for your auto insurance coverage.
If you need to take out a new homeowners insurance policy, many auto insurance companies also offer a discount for bundling multiple policies with the same company.
It is always a good idea to shop around for multiple quotes to see which discounts could apply to you in your new home. The bottom line on auto insurance coverage for a rental truck is that it will vary across auto insurance companies.
It also depends on the specific terms of your auto insurance policy make sure that you exhaust all other coverage options before purchasing additional insurance through the rental car company.
One unexpected source of coverage for your rental truck could be your credit card company. Make sure that when you inquire about coverage for a rental, you also asked about any specific exclusions for the type and size of truck you are renting.
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