Does The Rental Company Have To Pay When One Of Their Drivers Hurts Someone
If you were involved in a crash with a moving truck, a lot of factors are in play to determine who you can recover from and how much. First, you have to determine what insurance, if any, covered the at-fault rental truck driver. The at-fault drivers personal car insurance may provide coverage and any supplemental insurance they purchased from the rental company could too. Even if the person who rented the truck purchased supplemental insurance, failure to add someone as an authorized driver may result in the rental companys insurance denying coverage. If the at-fault rental truck driver does not have insurance available, or the insurance they have is not enough to cover your injuries, you may be able to recover from your insurance company to the extent you have uninsured motorist benefits. To determine whether these coverages apply to your crash and injuries, you need to consult with a rental truck accident lawyer.
Recently, the Georgia Court of Appeals reviewed a case where the driver of a U-Haul had not purchased additional insurance from U-Haul and subsequently caused the death of another man hit by the truck.;The family of the deceased crash victim sought a ruling from the court that U-Haul had to pay for the harm caused by the driver U-Haul rented a moving truck to. The Court said a jury had to find the moving truck driver at fault first before they could determine to what extent U-Haul had to pay.
Moving Trucks Are Dangerous
Moving trucks are extremely dangerous for several reasons. First, just like tractor-trailers or semi-trucks, moving trucks are big and heavy. Moving trucks vary in weight and sizedepending on the make and model of the truck and what they carrybut all of them are larger than a personal vehicle. The average moving truck can weigh between 8,000 and 26,000 pounds at capacity.;This means crashes with moving trucks cause more damage to the vehicles involved, the people inside, and the pedestrians around them.
Another reason why moving truckslike U-Haul, Budget, or Penskeare dangerous is that there are no additional qualifications required to drive them. For commercial trucks or 18-wheelers, Georgia requires drivers to obtain a commercial drivers license .;To obtain that license, drivers of commercial vehicles must pass a vision exam;and a road skills test in addition to a CDL written knowledge exam.;Drivers who rent moving trucks are not required to pass any exam at allonly possess a drivers license.
When Can I Pick Up And Drop Off My Rented Trailer At Any Location Near Me
You should confirm that your car trailer rental has a flexible pick-up and drop-off time that works for you, as well as the ability to tow between cities. Make sure there is no extra fee involved with this service too!
Uhaul car trailers offer several types of car trailers from flatbeds to enclosed car trailers. You might choose a different type depending on what kind of car you own. For example, If I needed to transport my motorcycle somewhere it would be best if I used an enclosed Uhaul car trailer so nothing happened to it during transit. While going on vacation? Use one of their travel trailers instead! It can sleep six people comfortably insidethats perfect for road trips or camping vacations in general!
The benefits are obvious: car trailers can save car owners hundreds of dollars on renting other kinds of cars for the same job.
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Do I Really Need Extra Rental Car Insurance
Another big consideration should be how long you’ll have the car for and where you’ll be taking it. Just need the vehicle for a few hours’ trip to and from the airport? Driving it cross-country for a two-week trip?;Consider the situation for which youre renting the car and weigh the circumstances to come to a decision on buying rental car insurance.
You also may want to check the limits on your personal insurance policy. Some only extend to rental vehicles for a certain amount of time. If you’ll have the car longer than that, supplemental coverage may be necessary.
What Options Do You Have When Moving
As NerdWallet notes, rental companies like U-Haul, Penske, and Budget Truck Rental, offer similar protection plans. With U-Haul, you can choose between these two protection packages:
- SafeMove: This package includes coverage for damage to the truck, damage to your cargo, medical coverage, and life coverage.
- SafeMove Plus: This package adds driver liability for twice the amount of the premium.
Penske and Budget Truck Rental offer a menu of coverage options that you can add to your coverage agreement. However, this usually will end up costing you more than a U-Haul package, especially on longer moves.
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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 may be covered depending on how the damage;occurred;and if your items were properly packed, ;Damage to cargo is typically only ;covered as a result of an accident, roll over or other non-standard occurrence. Damage to cargo during regular driving is typically not covered.
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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University.Zaneta has prepared technical p…
Question: Will My Auto Insurance Company Cover My Rental Truck During My Move
Answer: You need to check. Auto insurance doesnt 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 very best thing for you to do is to call your insurance agent prior to your move or to read your policy very carefully.
Penske Truck Rental Insurance
- Limited damage waiver: Covers damage to rental trucks and towing equipment.
- Personal accident insurance: Provides medical expense and accidental death coverages for driver and passengers.
- Supplemental liability insurance: Offers up to $1 million in liability coverage to safeguard against bodily injury and property damage claims.
- Cargo insurance: Provides up to $15,000 in coverage for personal possessions transported in a Penske vehicle.
- Towing insurance: Covers a towed vehicle when attached to or towed by a Penske rental truck.
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Rental Car Insurance: Does My Insurance Cover It
It’s a situation many of us have found ourselves in: you’re at the rental car counter, checking in to pick up a vehicle you booked months ago. But before you can check out, you’ve got a question to answer: are you buying supplemental insurance coverage, or will you decline it and wonder if you should have taken it?
To be fair, it’s not a question with an easy answer. There are many factors to consider before choosing whether to accept or decline additional rental car coverage. But looking into it ahead of time, learning about what to expect and having a good understanding of car insurance as well as your own personal policy can help make your decision easier.
Not sure if you should hand over the extra cash for coverage? Here are a few details to keep in mind, so you can help protect yourself without wasting money:
Uhaul Car Trailer Rental Reviews
Uhaul car trailers are some of the most popular in their segment; they get high ratings for value, quality, and performance. Customers have been very pleased with how well these vehicles tow behind a variety of cars from sedans to SUVs, trucks, or vans. The only thing that you may need is an adapter since this trailer does not come standard with one fitted on it however theres no doubt about U-Haul being your best choice when deciding between renting a car hauler.
However, customers of Uhaul have also been complaining about the poor quality and service they receive from this company. While some reviews mention that renting a car trailer is easy, others say its difficult to get in touch with customer support representatives who arent helpful or even rude when customers complain about their experience.
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How Does Insurance Cover Moving And Storage Units
Homeowners, renters, and condo policies generally cover theft, vandalism, and weather-related damage to your belongings while youre moving. The same coverage typically applies to personal property that you keep in a storage unit. However, whether you hire movers or move on your own, your policy normally wont cover damage to items from other mishaps while packing or in transit, such as dropping a lamp or damaging a television while carrying it down a stairwell. Your moving company will offer some liability protection at no cost and additional coverage for an added cost in certain states.
Travel In Your Rental Truck Strategically
Before you hit the road with your truck take some time and be sure you know where youre going. And definitely have a plan for moving safely in to and out of parking spaces.
Map out your trip. Instead of just relying on your phone to guide you on your trip, take a look at your route on an online map so youre aware of road conditions, construction delays and other issues. Think about where youre going to stop for the night along the way.
Park like a pro. Consider how youre going to get out of a parking spot before you get into it. Taking a little time before you park can save you a lot of trouble when it comes time to exit. Will you be comfortable backing up? Is another spot available that allows you to just pull forward and get back into traffic easily? Be sure to have answers to these questions before you dedicate yourself to a parking spot. If youre going to be towing a car or trailer behind the truck, take a look at our segment on how to back up a trailer for some great pro tips.
Congratulations! Youre well on your way to mastering the fine art of driving a moving truck. Best of all, you made informed, up-front decisions about your coverage that protected your investments along the way. And once youve decided to move to a new location, remember to inform your American Family Insurance agent to update your coverage and contact information. Youll be glad you did with every mile you drive.
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Enterprise Truck Rental Insurance
- Damage waiver: Waives or reduces the renters responsibility for damage to or loss of rental equipment.
- Roadside assistance protection: Covers fuel delivery, flat tire service, jump starts, lockout service, and lost keys.
- Personal accident insurance: Provides ambulance expense coverage, accidental death benefits, and medical expense coverage for driver and passengers.
- Supplemental liability protection: Provides up to $300,000 in liability coverage.
Rental Car Insurance Vs Rental Car Reimbursement
Rental car insurance covers you and the rental car you’re driving at the time and is offered by the company you rent the car from. Rental car reimbursement covers the cost of your rental car while your vehicle is being repaired after a covered accident. If you would like to be reimbursed for the cost of your rental car, you’ll need to add rental car reimbursement coverage to your personal policy.
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How Does Insurance Cover Storage Units
Standard homeowners, renters and condo insurance policies generally cover a percentage of your possessions while in a storage unitno matter the unit type or where it’s located. Youre generally covered for theft, vandalism, and weather-related damage, but you probably wont be covered for mold and mildew. The coverage limit for your items in storage is usually set at some percentage for instance, 10% of your policys personal property coverage limit or $1,000, whichever is greater.
If the personal property coverage amount on your home, renters or condo policy is $75,000, you may be covered up to $7,500 for your belongings in a storage unit if your coverage limit for storage is 10%.
Rental Car Insurance Coverages You May Already Have On Your Auto Or Home Policy:
Liability: Since nearly every state requires liability insurance, your personal auto policy already protects you against any damage or injury you cause while driving a rental car, up to the limits of your policy.
Loss-damage waiver: If your rental car is stolen, vandalized, or damaged in an accident, a loss-damage waiver means you won’t be held responsible by the rental car company. This can also be referred to as a collision damage waiver by some rental car companies. While the waiver is relatively inexpensive, you’re already covered for physical damage to your rental car if you carry comprehensive and collision on your auto policy. Comprehensive covers damage from events out of your control: theft, fire, vandalism, weather-related issues, and hitting an animal. Collision protects against damage from accidents involving another vehicle or object.
Personal accident insurance: Personal accident coverage protects against injuries to you and your passengers while driving a rental car. However, if you already have medical payments coverage or personal injury protection on your auto policy, you’re likely covered for medical bills resulting from an auto accident involving the rental car. Your health insurance coverage may also determine whether personal accident coverage is needed.
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What Does Your Existing Insurance Cover
Before renting a moving truck, contact your insurance agent to find out if your auto, home, or renters insurance policies provide any protection for the rental vehicle or your personal belongings while in transit.
Your homeowners or renters policy might cover your possessions up to a certain limit. While your car insurance might provide some coverage for a regular rental car, many policies limit coverage to a certain size of vehicleand moving trucks exceed those limits. However, if you rent a U-Haul cargo van or pickup truck, your personal auto insurance coverage might protect it.;
In some cases, you may be able to purchase a separate supplemental liability policy and personal effects insurance. But its best to speak with an insurance agent before declining rental truck insurance.
Although your credit card might cover a rental car, it likely wont cover a rental moving truck. Consult your cards terms and conditions before declining rental truck insurance.
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The Truth in a Nutshell:
- Does car insurance cover a rental truck? Yes and no. You will likely be covered for damages and injuries caused to others and their property, but not to yourself or the truck you rented.
- Your car insurance and credit card company are not likely to offer insurance for rental trucks, since you are considered more risky when driving a large vehicle that you dont have a lot of experience with.
- U-Haul insurance is offered with and without liability, depending on which program you opt to purchase.
So keep reading to learn more about your insurance options when using a rental truck and finding affordable rental truck insurance rates.
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Question: I Am Moving With A Trailer Will My Insurance Cover That
Answer: Your auto insurance should cover any damage that happens to your car according to your policy guidelines. Your auto insurance will likely not cover any damages to the trailer you are towing unless you own the trailer and your policy specifically covers it. If you are renting a trailer, as with trucks, U-Haul does offer Safetow damage coverage.
Regardless of what type of coverage you choose, its important that you understand all the conditions of the coverage options. Make sure you ask questions of the;representative;you are working with to get clarification. ;The last thing you need when you move is more headaches. Add on Damage Coverage before you move;to ease moving day stress.
What did you do the last time you moved? Did you get the coverage? Tell us what you did in the comments.
Your Car Insurance Typically Doesnt Cover Your U
When you rent a car, your existing car insurance policy often covers your rental car as well.
However, this doesnt hold true when renting a U-Haul. Even if your coverage extends to rental trucks, there are typically size restrictions on those rental trucks. A U-Haul is very likely to surpass those size restrictions.
That means if you dont buy in-house U-Haul insurance and you cause damage to your rental truck, then you may be required to pay out of pocket.
The same thing applies to rental car insurance through your credit card: most credit card rental insurance policies wont cover rental trucks.
All of this adds up to a simple conclusion: its generally a good idea to purchase additional insurance for your U-Haul.
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