Progressive Auto Insurance: Understanding U-Haul Rental Coverage

If you're planning to rent a U-Haul truck for your next move, you may be wondering if your Progressive auto insurance policy will cover it. Well, the answer is a bit complicated. While Progressive does cover rental cars to the same extent as your personal auto insurance policy, U-Haul trucks are a different story due to their weight and size. Most auto insurance policies, including Progressive, have a maximum weight limit for vehicles they'll insure, typically excluding cargo vehicles like moving trucks. So, your standard Progressive policy likely won't cover a U-Haul rental truck. However, if you're renting a smaller U-Haul vehicle, like a pickup truck or van, there's a chance your Progressive policy might provide coverage, but it's not guaranteed. It's always best to check with your insurance provider directly to get a definitive answer.

Progressive auto insurance may cover U-Haul rentals in certain circumstances

It is important to note that most auto insurance policies have weight and size restrictions for rental vehicles. While your Progressive auto insurance may cover a small U-Haul vehicle like a pickup truck or van, it is not guaranteed. You should check with your insurance carrier before picking up the rental to confirm if your policy covers U-Haul trucks and trailers. Additionally, even if your policy covers your rental, you may need to reimburse U-Haul for any damage when you return the vehicle and then file a claim with your insurance company.

Before renting a U-Haul, it is recommended to review your Progressive auto insurance policy and contact your insurance agent or insurer to determine the extent of your coverage. You may also want to consider the size of the U-Haul vehicle you need, as larger trucks with a towing capacity larger than one ton typically require additional coverage. By understanding your coverage limits and the specific circumstances of your rental, you can make an informed decision about whether you need to purchase additional insurance for your U-Haul rental.

U-Haul rental insurance is offered with and without liability

SafeMove Plus includes all the features of SafeMove, plus additional liability coverage. This means that in the event of an accident, U-Haul will cover the first $1,000,000 in liability, safeguarding your personal insurance policy. This coverage is considered primary, so your personal insurance policy will only come into play if the damages exceed $1,000,000.

It's important to note that U-Haul rental insurance is not the same as liability insurance. U-Haul insurance covers damage to the rental equipment and your belongings, as well as medical and life protection. However, it does not provide liability coverage, which protects you from legal claims if you are at fault in an accident.

When deciding whether to purchase U-Haul rental insurance, it's important to consider the limitations of your personal auto insurance policy and credit card coverage. Most personal auto insurance policies exclude coverage for rental vehicles, especially cargo vehicles and vehicles over a certain weight. Similarly, credit card coverage typically only applies to cars and other passenger vehicles, excluding trucks and larger vans. Therefore, it is highly recommended to review your existing policies and understand their exclusions before renting a U-Haul vehicle.

In summary, U-Haul rental insurance offers protection for damage to the rental equipment, your belongings, and medical and life coverage. The SafeMove Plus option includes additional liability coverage. By understanding the features and limitations of U-Haul rental insurance, you can make an informed decision about your coverage needs when renting a U-Haul vehicle.

Comprehensive insurance likely won't cover U-Haul rentals

If you're renting a small U-Haul vehicle, like a pickup truck or van, there's a chance your auto insurance policy will cover it, but it's not guaranteed. Comprehensive coverage on your personal auto insurance policy likely only covers vehicles up to a certain weight, so it won't cover damage to large moving trucks or cargo vehicles.

U-Haul and other rental agencies prefer that customers have some form of insurance when renting a vehicle, but it's not a requirement. If you decline their coverage and don't have another form of insurance to protect the vehicle, you'll be responsible for any damage that occurs while the truck is in your possession. You may be required to pay for the damage in full when returning the vehicle, even if someone else caused it.

Before renting a truck, ask the rental agency what coverage is automatically included and what is optional. You should also check with your auto insurer to see if they extend any coverage to the type of vehicle you're renting.

Additionally, your comprehensive insurance likely won't cover your personal belongings inside the U-Haul vehicle if you are considered at-fault in an accident. In this case, your personal items would need to be covered under your home or renters insurance policy.

Progressive auto insurance covers rental cars to the same limit

In most cases, you won't need to pay for duplicate coverage. However, there may be situations where adding rental car insurance is worthwhile, so it's important to review your personal auto coverages. For example, if you have high deductibles on your auto policy, rental car insurance coverage often carries no or low deductibles, so you could pay much less or nothing out of pocket in the event of a claim.

If you don't have a personal auto policy, you will need to purchase liability coverage through the rental car company. U-Haul and other rental agencies generally prefer that customers have some form of insurance when renting a vehicle, but it's not a requirement. When picking up your vehicle, you'll have the option to purchase insurance coverage from the rental agency. If you decline and don't have another form of insurance to protect the vehicle, you'll be responsible for any damage that occurs while the rental is in your hands.

If you damage a U-Haul or other rental and you aren't protected under their coverage, you may be required to pay for the damage in full when returning the vehicle—even if someone else caused the damage. Before renting a truck, ask the rental agency what coverage is automatically included and what coverage is optional. You should also check with your auto insurer and credit card company to see if they may extend any coverage to the type of vehicle you're renting.

Progressive auto insurance is valid in the US and Canada

If you're renting a small U-Haul vehicle, such as a pickup truck or van, there's a chance that your Progressive auto insurance policy may provide coverage. However, it's not guaranteed, and you should check with Progressive directly to confirm. Additionally, even if your Progressive policy covers your U-Haul rental, you may still need to reimburse U-Haul directly for any damage to their equipment and then deal with your insurance company for reimbursement.

U-Haul offers optional coverage plans, such as SafeMove and SafeMove Plus, which include damage waivers, cargo coverage, and medical and life coverage. These plans can provide additional protection in case of any damage or incidents during your rental period.

It is always recommended to review your insurance policy carefully and contact your insurance provider for clarification on specific coverage details, especially when it comes to rental vehicles.

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