If you’re planning a move and considering renting a moving truck, one of the first questions that probably pops into your head is: does my car insurance cover a moving truck rental? The short answer is: most likely not.
Why Your Car Insurance Might Not Cover a Moving Truck
Most personal auto insurance policies have a maximum weight limit for vehicles they cover. This usually excludes cargo vehicles such as moving trucks. If you’re renting a smaller vehicle, like a pickup truck or van, your policy might offer some coverage—but it’s not guaranteed. While you aren’t legally required to buy insurance for a rental truck, skipping it could leave you personally responsible for any damage.
What Kind of Insurance Do You Need to Rent a Moving Truck?
At a minimum, you should have liability coverage. This protects you if you cause injury or property damage while driving the rental. Many rental companies provide basic liability coverage, but your personal auto policy might also extend coverage—if your insurer allows it for truck rentals.
If your policy includes comprehensive and collision coverage, you might also be covered for damage to the rental truck, but you’d be responsible for paying your deductible. Remember, most policies only cover vehicles up to a certain weight, meaning large moving trucks or cargo vehicles might not be included. Always call your insurance agent to confirm your coverage.
Insurance Options From Rental Agencies
When you pick up your truck, the rental agency will offer insurance options. If your personal auto policy doesn’t cover the rental, it’s smart to consider purchasing their insurance. Skipping it could mean that the limited liability coverage provided by the rental company won’t be enough, leaving you financially responsible for any damage.
Here are common coverage options offered by moving truck rental agencies:
- Damage Waivers: Protects against damage or theft of the truck. A Personal Damage Waiver (PDW) often covers all damage, while a Limited Damage Waiver (LDW) may leave you responsible for up to $500.
- Supplemental Liability Insurance: Covers third-party liability claims if you’re in an accident.
- Personal Accident and Cargo Protection: Protects you, your passengers, and your belongings. Check the details—some damages, like theft or shifting cargo, might not be covered.
- Personal Effects Insurance: Covers personal items stolen or damaged inside the rental truck.
- Auto Tow Protection: Provides coverage if your car is being towed.
Can You Rent a Moving Truck Without Car Insurance?
Yes, most agencies allow you to rent a truck even if you decline all coverage. Many rentals come with minimal liability insurance automatically. Still, purchasing additional coverage is highly recommended if your personal auto policy doesn’t extend protection to the rental.
Before renting, ask the agency what coverage is included and optional. Also, check with your auto insurer or credit card company, as they sometimes extend coverage for rental trucks.
What Happens if You Damage a Moving Truck Rental?
If you damage a rental truck without insurance, you may be required to pay the full repair cost—even if someone else caused the accident. Buying a damage waiver from the rental company can save you significant money in case of an accident.
Driving a moving truck can be challenging if you’re not used to larger vehicles. Adequate insurance coverage, whether through your policy or rental agency, provides peace of mind and protects your belongings during the move.