Chess Insurance

Redmond's Premier Insurance Agency

Chess Insurance: 425-392-1588

RSSTwitterFacebook

Request a Quote

  • Home
  • Personal Insurance
    • Vehicle Insurance
      • Auto Insurance
      • Motorcycle Insurance
      • Boat Insurance
      • Classic Car Insurance
      • ATV Insurance
      • RV Insurance
    • Homeowner’s Insurance
      • Home Insurance
      • Renter’s Insurance
      • Condo Insurance
      • Earthquake Insurance
      • Flood Insurance
    • Personal Umbrella Insurance
    • Teen Driver Insurance
  • Business Insurance
    • Commercial Auto Insurance
    • Business Owner’s Insurance (BOP)
    • General Liability Insurance
  • About Us
  • Contact Us
    • Payments
    • Claims
  • Blog

Do I need Rental Insurance for a U-haul?

February 7, 2013 By Tosten

U-Haul Rental Insurance in Washington

A common question we receive is whether or not our insurance would cover us for a rental motorhome or moving truck. And the answer really depends solely on the size of the vehicle (in addition to what coverage you currently carry, of course).

When talking about your collision and comprehensive coverage, your standard auto policy will cover the usage of a temporary replacement vehicle usually up to 12,000 GVW. If a vehicle is over this GVW, it would be excluded from coverage. Additionally, if the cab is separated from the bed, this will also create an exclusion from coverage for most auto insurance policies.

Truck rental companies typically offer four types of coverage.

  1. Damage Waiver: covers you in case of damage to the truck. If you do not purchase this coverage, you are responsible for any and all damage to the vehicle, no matter what the cause. If you decide to decline this coverage, you may be responsible to pay the damages to the truck even if they are not your fault. Something to keep in mind is depending on the extent of the repairs, you may be held responsible for loss of use on the vehicle.
  2. Liability Coverage:  covers you in case you hit something or someone. Your auto policy may cover this, but please call us in advance before you rent a vehicle to make sure. Each company is different.
  3. Cargo Coverage: Your auto policy will NOT cover any cargo that you are carrying. Period. If you are moving valuables, you may consider this coverage, depending on the values. If you’re moving a mattress or other item that will likely not be damaged, it would probably be wise to save your money, but only you can decide.
  4. Personal Injury Protection: This is a no-fault insurance and can be used anytime you’re involved in a motor vehicle collision, regardless of the motor vehicle you’re traveling in.

 

With anything, please feel free to call us with questions. This article is meant to be informative, but not a means of advice. If you have questions about a rental vehicle, please contact our office and speak directly to a licensed agent.

Filed Under: Accident, Auto Insurance, Blog

Contact Us

Chess Insurance

15127 NE 24th Street #160

Redmond, WA 98052

(425)392-1588

Request a Quote

Chess Insurance
15127 NE 24th Street #160
Redmond, WA 98052
Get directions
425-392-1588
Contact

Proudly Representing

Redmond, WA Mutual of Enumclaw

Recent Chess Insurance Blogs Posts

Homeowner's Insurance Redmond, WA

Homeowner’s Insurance in Redmond, WA – Don’t let your home be a house of horrors

Time to break out the conical hats, black cat decorations and the pumpkin seeds; Halloween is on its way! Whether you intend to go all out and build a … [Read More...]

Gap Insurance Redmond, WA

Closing the Gap: Do I need Gap Insurance in Redmond, WA?

Congratulations, you just bought a new (or new to you) car! You were able to afford a down payment and now you are the proud owner of a new car and a … [Read More...]

Homeowners Insurance Redmond, WA

Winterize your Redmond, WA home: It may help you avoid a homeowners insurance claim

The weather is starting to change, we are entering those warm days of fall where the mornings are brisk and the afternoons are warm. The leaves are … [Read More...]

Chess Insurance
15127 NE 24th Street #160
Redmond, WA 98052
Get directions
425-392-1588
Contact

Representing

Mutual of Enumclaw Agent Redmond, WA Progressive Insurance Redmond, WA Earthquake Insurance Redmond, WA

From our Blog

  • Homeowner’s Insurance in Redmond, WA – Don’t let your home be a house of horrors
  • Closing the Gap: Do I need Gap Insurance in Redmond, WA?
  • Winterize your Redmond, WA home: It may help you avoid a homeowners insurance claim
  • Protection for a Rainy Day: Flood Insurance in Redmond, WA
  • Fact or Fiction: Five Auto Insurance Myths in Redmond, WA

Copyright © 2021 Chess Insurance Agency