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Is Truck Rental Insurance Necessary?


by: Sonja Reeves
01 Dec 2010

Do-it-yourself moving generates a long list of things to be done. If you plan to use a rental truck to move your belongings, add to that list a reminder to contact your auto and home insurance providers for advice on truck rental insurance. It is important to find out if you need to purchase extra insurance from the rental agency to cover yourself and your possessions while you are moving.

Depending on the amount of coverage you already have, you can decide whether or not you need to pay for additional coverage. Some rental companies may offer special deals for bundling more than one type of coverage.

Different Types of Coverage Offered with Truck Rentals

Truck rental agencies offer a wide variety of coverage. For full details about the pricing, limitations, and exclusions for each option, speak to your rental agency representative or check its Web site. The following are some types of coverage commonly available to renters:

  • Damage Waivers: covers damage to the rental truck or other rental equipment
  • Supplemental Liability Insurance: covers any bodily injury or property damage claims against you by a third party for damages that occurred while driving the rental truck
  • Personal Accident Insurance: covers you and your passengers if you are injured in an accident while driving the rental truck. Some companies cover injuries sustained while loading and unloading the truck as well.
  • Cargo Insurance: covers your personal belongings if they are damaged while in the rental truck
  • Towing Insurance: covers damage to your personal vehicle if it is damaged while being towed by a towing device rented through the same agency as the truck

When in Doubt, Contact the Truck Rental Company

If neither your auto nor home policies cover your truck rental insurance, you should consider getting some additional coverage. If you are not sure what you need, an agency representative would be happy to help you decide what coverage best suits your needs. Be sure to ask for any special deals available at that time.

Sources:
Budget Truck Protection Coverages • http://www.budgettruck.comhttp://www.budgettruck.com/optional-protection-coverage.aspx • Budget Truck Rental, LLCAre You Protected from the Unexpected? • http://www.pensketruckrental.comhttp://www.pensketruckrental.com/personal_rental/protection.html • Penske