Is it worth it to buy the extra insurance for a UHaul rental truck?

Question

That is, even though my car insurance covers rentals, I have a 500 dollar deductible. Does getting the rental truck insurance make it so there is no deductible in case of an accident?

Answer 1

I know of 4 insurance companies that do not cover U-haul. American Family, Geico, Liberty Mutual, Allstate. You need to check with your agent first. Make sure you tell them if you are going out of state. I had a customer who was told she was covered, then stopped in after she got the truck and told them she was going out of state, and they said she was not covered. I had another customer who did not take the insurance, and was backing into the drive of his destination, and hit a large rock damaging the truck, it cost him almost $300. Even if someone hit you, you are responsible for the truck. But on the other hand, it is an option. I have heard of several dealer who add the insurance without the customers approval. So I am glad to see you asking questions. I had an insurance agent rent from me, and when I asked him about the insurance he said yes so fast it shocked me. He stated that if something did happen it would not ding his auto insurance.

U-hauls SafeMove insurance covers damage to the truck, the cargo in the truck, and also has medical/life coverage. The SuperSafeMove also includes $1 million in liability coverage.

I wish you luck in your move and safe driving.

Answer 2

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Answer 3

Check with your insurance agent and get his or her answer in writing. Most insurance companies provide coverage for substitute vehicles, but only if they are "private passenger-type" vehicles. A U-Haul truck is definitely not a "private passenger-type" vehicle.

Like others have said, spend the extra money and buy the optional coverage from the rental company. Here's why:

1. You are driving an unfamiliar vehicle that is different in size, weight, and handling than your own car.
2. If you are driving a long distance with the rental truck, you may also be driving on unfamiliar roads and in unfamiliar driving conditions.

In summary, the odds of getting into an accident have gone up the minute you get behind the wheel of the rental truck.

If you get into an accident, do you want to be calling your insurance company to report the claim, or do you want to call the UHaul people to get a new truck?

Answer 4

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RE Is it worth it to buy the extra insurance for a UHaul rental truck?

That is, even though my car insurance covers rentals, I have a 500 dollar deductible. Does getting the rental truck insurance make it so there is no deductible in case of an accident?

Answer 5

The previous answerer is absolutely correct.

1. If you have an accident under your insurance driving the truck, not only are you stuck with the deductible but it may affect your insurance rates.

2. if you use the rental truck's insurance it is a no haggle deal and you're totally free of responsability and less paperwork. PLUS your insurance wouldn't find out, or be involved.

3. You're dealing with a rental TRUCK here. Before you go using your insurance do check with them to see if they'll cover such a thing. The wrong time to find out is when you have an accident and then get told by your insurance that it's not covered.

It's a small charge for their insurance, just do it!

.

Answer 6

Rep West Insurance is a complete scam... I had a Tow Dolly and the fender guard rail of the tow dolly made contact with my vehicle... Causing Damage... I reported the claim... had terrible customer service... I had to do all the work jumping threw hoops getting estimates, taking photos, etc. The damage wasn't event that much to repair... I had one estimate as low as $219... I was first told that the damage was too extensive to have happened while my vehicle was being towed and my claim was denied (Basically calling me a lyer) ... and that I should expect a letter in the mail... So when the letter came the reason was different than what was told to me in the email they sent... The letter said that they did not have to pay the claim b/c they are not responsible for improper packing or shifting of items... as if my vehicle was a card board box in the back of a moving truck or something... The uhaul website says safetow.... Covers damage to your towed motor vehicle and cargo while being towed with any U-Haul equipment. That apparently is a lie. This company tried to think of every reason possible to not pay a claim... regardless of how much the claim is they will try to weasel out of it anyway possible... SUCH A SCAM!

Answer 7

Did you confirm your car insurance covers Uhauls? Just because it covers you when you are in a rental doesnt mean it covers you in a large u-haul. It probably doesnt- find out the weight of your uhaul and call your insurance and specifically ask if its covered- or you could be in a real pickle.

Answer 8

AAA will ONLY cover vehicles that weight less than 2 tons or that employ a Single Axle (2 tires on each side of the back are 2 Axle). Therefore, if you are at fault with a 10' or larger U Haul Truck, or even a U Haul Van, AAA (and many other insurance companies) will NOT represent you for any liability to the U Haul Truck, the vehicle it hits, or liability to your passengers and those you hit. That is one heck of a risk!

Unfortunately, RepWest Insurance, which provides U Haul's insurance, appears to be anything but credible according to all the complaints filed with the Better Business Bureau, as well as the internet. Just Google Repwest Insurance. Here's their list of BBB complaints:
www.bbb.org/phoenix/Business-Reviews/insurance-companies/repwest-insurance-company-in-phoenix-az-8000115/Complaints/

If you purchase U Haul's SafeMove Damage (through Repwest), you are freed from "most" damage to the truck, and $1k of damage to only you and your passengers, along with some loss of life to each of you. However, the only way to protect yourself from liability to the other vehicle, and its drivers/passengers, is through the SafeMove Plus, which gives you $1 million of coverage, which nowadays is the baseline with lawsuits. Here's U Haul's coverage and exclusions related to their SafeMove insurance options.
http://www.uhaul.com/DamageCoverage/

It's just not clear whether Repwest can be trusted beyond their collection of your money. However, my AAA agent recommended taking SafeMove Plus, since you are basically an uninsured motorist without it.

Answer 9

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Answer 10

Back in a former life I was a U-Haul dealer. My quick answer would be be yes, buy it. It cuts down the "possible" hassle factor with the receiving dealer (if one-way). Think of this rental truck as a rental car, regardless of how scratched up it is. Unless you can absolutely prove you didn't do it, you may be screwed when you drop off. Check with your agent to see if your $500 deductible SPECIFICALLY covers rental TRUCKS.