A few times a year I rent a truck from uhaul to remove large items
from my house or when I need to transport something large. They charge
$15 a day for minimum insurance (covers the truck only), $30 a day
covers truck and damage to other property.
I am just wondering how many people pay the extra $$ for insurance
when renting trucks from u-haul (not for long distance moves, just 1-
Try hitting someone or something without the optional insurance, and see
who the lawyers go after! (No, better NOT!!!)
(Fortunately, I have yet to be in that boat!)
Why do personal car insurance policies often cover driving rental
vehicles? I suspect there is a need!
If you have personal car insurance, and they cover your use of a
rental vehicle, and you don't mind putting them on the hook if you bungle
driving the truck, then go ahead and decline the optional insurance!
- Don Klipstein ( email@example.com)
1. I don't see a gross vehicle registered weight limit in my policy.
2. Check out the registered gross vehicle weights of various rental
trucks. My experience is that smaller to moderate U-Haul trucks are
what I would call "fluffy". See how many of those are within whatever
weight limit your policy specifies.
3. My experience in PA is that the usual driver's license to drive cars
also allows such licensed drivers to drive trucks up to 29,000 pounds or
something like that, provided this weight does not include a trailer more
than 10,000 pounds. IIRC, that PA license also allows Pennsylvanian
drivers to drive street-legal motorbikes up to 7 horsepower.
I suspect it is at least a little common to have your insurance cover
your driving a covered rental vehicle that is in the same license
classification as "your covered auto".
Furniture is mostly air by volume, even if stuffed with pillows or
clothes. A truck filled with furniture and clothes and intended to
mainly carry such lighter-fluffier loads will weigh a lot less than one
filled with and intended to transport wholesale paper, wholesale foods,
building materials, cabinet kits in knocked-down-flat form, compacted
trash or liquids.
- Don Klipstein ( firstname.lastname@example.org)
Sorry, misstated that, the danger of quoting from memory. I look it up
before actually renting anything.
It's a limit on load capacity.
There's one section that defines "your covered car," which includes
various "private passenger cars" or "utility cars." A "utility car" is
defined elsewhere as a pickup truck, van, or panel truck with a limit on
rated cargo capacity, 2000 lbs.
Smaller U-hauls are rated under 2000lbs capacity, larger ones are over.
email@example.com is Joshua Putnam
Yes, exactly. To say that because the rental company has insurance
means that the renter doesn't need any is very bad advice. If you
hit someone with a rental vehicle and it's your fault, the other party
is going to come after YOU for the cost of their damage and
injuries. And the rental company and/or their insurance company is
going to come after YOU for the cost of repairs to the rental vehicle.
Even in a private party arrangement, if I lend my car to someone and
they damage it, I have every right to make that party pay for the
repairs even if I have collision insurance that would cover it. The
concept here is simple. You lend something to someone for them to
use and they are bound to return it in the same condition it was when
they took it.
I'm not saying the insurance offered by rental companies is a good
deal. In many cases, either your own auto policy or free insurance
provided by some credit card companies when you use their card, may be
sufficient, depending on your circumstances, etc. But you better
understand your liability and what insurance coverage you have/need.
And as pointed out, I'd pay particular attention to what any existing
insurance says about trucks, gross weight, etc.
Then you better take the optional insurance offered by the rental
company, or face the prospect of being liabel for not only the value
of the rental car, but also the cost of damage to other cars,
property, medical bills, etc.
What's so hard to understand?
The most important thing is to check with your regular insurance company
to make sure you are covered. Most of the better insurance companies
will insure anything you drive on a temporary basis like that.
Sort-a true but usually your own vehicle has to be "temporarily unavailable"
like it's in the shop. I amnot aware of any auto policy that just straight
up covers the rental that I use one a one day basis, or maybe while on
holdays away from home or on a business trip. I'm not saying that your
personal auto policy won't cover this but you had best check with your
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