Does Aaa Auto Insurance Cover U-Haul?

AAA Auto Insurance does not cover U-Haul trucks and trailers. This is because AAA, like many other insurance companies, has a weight restriction on rental vehicles. U-Haul also states that auto insurance policies, as well as credit card companies, do not provide coverage for their rental equipment.

AAA auto insurance likely doesn't cover U-Haul trucks and trailers

If you're planning a move and are considering renting a U-Haul truck or trailer, you might be wondering if your AAA auto insurance will cover it. Unfortunately, it's highly unlikely that your AAA auto insurance will provide the necessary coverage for a U-Haul rental. Here's why:

Most auto insurance policies, including AAA, have specific exclusions and limitations that apply to rental vehicles. One of the main factors is weight. AAA auto insurance policies typically have a maximum weight limit for the vehicles they insure, and this limit often excludes cargo vehicles like moving trucks and trailers. U-Haul trucks and trailers often exceed the weight restrictions specified in standard auto insurance policies. While small U-Haul vehicles, such as pickup trucks or vans, may fall within the weight limit, it's not guaranteed, and you should always check with your insurance carrier before assuming coverage.

Another factor to consider is the type of vehicle covered by your AAA auto insurance. Auto insurance policies usually cover passenger cars, including your personal vehicle and sometimes leased cars. However, they often exclude trucks, trailers, and business vehicles. U-Haul trucks and trailers fall into these excluded categories, so they likely won't be covered by your AAA auto insurance.

Additionally, credit card companies typically offer rental car protection, but this usually applies only to cars and other passenger vehicles. U-Haul trucks and trailers are often excluded from this coverage due to weight and size restrictions.

To ensure you have the necessary coverage, it is highly recommended to obtain insurance directly from U-Haul or a similar rental company. U-Haul offers protection packages like Safemove and Safemove Plus, which include coverage for damage to the rental truck, your personal belongings, and medical and life coverage. While it may be an additional expense, purchasing this coverage can provide peace of mind and protect you from financial liability in the event of an accident or damage to the rental vehicle.

In summary, it is highly unlikely that your AAA auto insurance will cover U-Haul trucks and trailers due to weight restrictions and vehicle type exclusions. To be fully protected, it is advisable to purchase insurance directly from U-Haul or a similar rental company.

Credit cards also typically don't cover U-Haul vehicles

Credit cards typically don't cover U-Haul vehicles. Visa's rental protection, for example, specifically excludes all trucks and vans that seat more than eight people. American Express also excludes cargo vans and box trucks.

U-Haul itself warns customers that all major credit card companies and most insurance providers do not provide coverage for their rental equipment. Budget Truck Rental also reminds customers to verify with their insurance provider whether they have rental truck coverage. Assuming that you have a certain type of coverage could cost you.

Chase credit cards, for instance, do not provide coverage for U-Haul rentals. The auto rental collision damage waiver expressly excludes vans and trucks, the primary vehicles U-Haul provides.

However, some credit cards may cover U-Haul rentals in certain circumstances. It's worth checking the fine print of your card agreement. For example, the premium coverage offered by some credit cards is primary coverage and covers almost everything that primary auto coverage does.

You can buy U-Haul's company-provided insurance to shield from liability

U-Haul recommends that all its customers purchase a company-provided insurance policy that shields them from liability for any damage to the vehicle. This is because personal auto insurance policies typically do not cover rental trucks or business vehicles. Similarly, credit card companies also offer additional rental car coverage, but this usually only applies to cars and other passenger vehicles.

U-Haul's company-provided insurance offers protection for rented trucks and trailers, which are often excluded from personal auto and credit card coverage due to weight and size restrictions. By purchasing U-Haul's insurance, you can rest assured that you are protected from financial responsibility in the event of an accident.

U-Haul offers two protection packages: Safemove and Safemove Plus. Both packages include coverage for damage to the rental truck, damage to your cargo, and medical and life coverage. Additionally, Safemove Plus provides driver liability coverage for twice the premium.

It is important to note that U-Haul expects reimbursement for damages immediately upon returning the rented item, so purchasing their insurance can provide peace of mind and avoid unexpected costs.

Key Benefits of U-Haul's Company-Provided Insurance:

• Covers damage to the rental truck and your cargo.
• Includes medical and life coverage.
• Safemove Plus offers additional driver liability coverage.
• Provides peace of mind and financial protection.
• Covers loss of use of the rental equipment.

Personal auto insurance policies usually cover rental cars, but not trucks

The weight and height of rented trucks often exceed the coverage provided by the average personal auto insurance policy. For example, a personal auto insurance policy may not cover a truck weighing 9,000 lbs or more. Additionally, credit card companies that offer rental car protection usually only cover cars and other passenger vehicles. For instance, Visa's rental protection specifically excludes all trucks, as well as vans that seat more than eight people.

If you're renting a small van or pickup truck, there's a chance that your auto insurance policy may cover it. However, it's important to check with your insurance company to be sure, as policies can vary.

If your personal auto insurance policy doesn't cover the rental truck, you may want to consider purchasing additional coverage from the rental company. This will protect you in case of any damage to the truck or your belongings during your move. The rental company will typically offer a few different coverage options to choose from, such as supplemental liability insurance, a damage waiver, personal accident and cargo protection, and auto-tow protection.

It's also worth noting that if you're towing your car behind the moving truck, your auto insurance policy may cover that, provided you have comprehensive and collision coverage.

In summary, while personal auto insurance policies typically cover rental cars, they usually don't cover trucks. It's important to review your policy carefully and consider purchasing additional coverage to ensure you're protected during your move.

You may need to buy additional coverage for your belongings

When renting a U-Haul truck, it is important to consider whether your belongings are covered in the event of an accident. While U-Haul offers protection packages that include cargo coverage, you may need to purchase additional coverage for your belongings, depending on your specific circumstances.

Firstly, it is crucial to understand that your personal auto insurance policy may not cover damage to a rented U-Haul truck or trailer. Most personal auto insurance policies specifically exclude cargo vehicles, trailers, and vehicles that exceed certain weight or size restrictions. Therefore, if you are in an accident with your rented U-Haul, you could be held financially responsible for repairs to the rental vehicle.

Additionally, the coverage you purchase for the rental vehicle may not extend to your belongings. Basic rental policies typically only cover the vehicle itself, and additional cargo coverage may be necessary to insure your personal items during transport. This is an important consideration, as accidents can result in damage to or loss of your belongings.

To ensure your belongings are covered, you should carefully review the coverage options offered by the rental company. U-Haul, for example, offers Safemove and Safemove Plus packages, both of which include cargo coverage. However, there may be limitations or exclusions to this coverage, such as a deductible or maximum coverage amount.

Furthermore, it is worth checking with your homeowner's or renter's insurance provider to understand their coverage for your belongings during a move. In some cases, your existing insurance policy may provide protection for your belongings while they are in transit, eliminating the need for additional cargo coverage.

Ultimately, it is essential to carefully review all your coverage options and understand the limitations and exclusions of each policy before making a decision. By taking the time to assess your needs and the available coverage options, you can ensure that your belongings are adequately protected during your move.

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