U-Haul Rental And Usaa Auto Insurance: What You Need To Know

If you're wondering whether USAA auto insurance covers U-Haul rentals, the answer is: it depends. In most cases, your USAA car insurance will extend to your rental car, but there are some important exceptions. Firstly, USAA auto insurance typically does not cover trucks, trailers, or vehicles over a certain weight. So, if you're renting a large U-Haul truck, it's unlikely to be covered. Additionally, if you own an old vehicle, your USAA auto insurance may not cover a new rental car. It's always best to check with USAA directly to confirm what is and isn't covered under your specific policy.

USAA auto insurance may cover U-Haul rentals if you have a USAA credit card

USAA is an organization that serves members of the active-duty military, national guard, and reserve, as well as veterans, spouses, and children. If you have USAA auto insurance or use a USAA credit card to rent a car, you are covered for car rental insurance. However, this does not include trucks, SUVs, vans, pickups, motorcycles, RVs, and luxury vehicles.

To make a claim through your USAA credit card, you must file your claim within 60 days of the incident. Certain conditions, such as reckless driving or driving while impaired, would void your coverage. You must rent the car in your name for no more than 31 consecutive days using your USAA credit card. The full rental must be paid in full with your card, USAA reward points, or a combination of the two. You cannot split the cost with another credit card. Additionally, you must decline the CDW/LDW offered at the rental car counter.

While USAA auto insurance may cover U-Haul rentals if you have a USAA credit card, it is important to note that there may be limitations on your rental car insurance coverage. It is recommended to contact your insurance company to determine whether your USAA auto insurance will cover a U-Haul rental.

USAA auto insurance does not cover U-Haul rentals outside of the US

U-Haul recommends that all its customers purchase a company-provided insurance policy to protect themselves from liability in the event of damage to the rental vehicle. This is because personal auto insurance policies often specifically exclude cargo vehicles, trailers, and vehicles over a certain weight. Credit card companies also typically exclude trucks and larger vans from their rental coverage. Therefore, if you're planning to rent a U-Haul truck, it's essential to verify whether your USAA auto insurance policy or credit card company provides coverage for such rentals.

If your USAA policy does not cover U-Haul rentals, you may want to consider purchasing supplemental insurance from a third-party provider or opting for the collision damage waiver offered by U-Haul. This will ensure that you're not financially responsible for any damage to the rental vehicle during your move.

U-Haul recommends buying company-provided insurance

U-Haul recommends that its customers buy a company-provided insurance policy to protect themselves from liability for any damage to the vehicle. While a rental truck insurance policy is similar to policies provided by car rental agencies, the circumstances of renting a U-Haul truck differ from renting a car.

Personal auto insurance policies typically extend to rental cars, so many drivers decline rental car agency coverage. However, most personal car insurance policies specifically exclude cargo vehicles, trailers, and vehicles that weigh more than the amount specified in the policy. Credit card companies also offer additional rental car coverage, but this usually only applies to cars and other passenger vehicles.

U-Haul warns that all major credit card companies and most insurance providers do not provide coverage for their rental equipment. Therefore, U-Haul encourages customers to buy company-provided coverage to protect themselves financially in the event of an accident.

U-Haul offers two protection packages: SafeMove and SafeMove Plus. SafeMove includes coverage for damage to the truck, damage to your cargo, medical coverage, and life coverage. SafeMove Plus includes all of the above, plus driver liability for twice the amount of the premium.

By purchasing coverage from U-Haul, customers can avoid the financial burden of repairing or replacing the rental equipment in the event of an accident. It is important to note that U-Haul expects reimbursement for damages as soon as the rented truck is returned, so having company-provided coverage can expedite the claims process.

Personal auto insurance policies usually exclude cargo vehicles and trailers

Personal auto insurance policies typically exclude cargo vehicles and trailers. This is because auto insurance policies often have a maximum weight limit for vehicles they insure, usually excluding cargo vehicles like moving trucks. Therefore, your standard car insurance policy will not cover your rental truck.

If you are renting a small vehicle, like a pickup truck or van, your auto insurance policy may cover it, but this is not guaranteed. Personal auto insurance policies can exclude vehicles based on size, weight, or specific purpose. It is common for personal auto policies to specifically exclude cargo vehicles, trailers, and vehicles over a certain weight.

If you are renting a trailer, your liability insurance will cover any damage caused by the trailer to someone else or their property. However, you will not be covered for damage to the trailer itself or its contents. Therefore, it is important to purchase separate coverage for the trailer through the rental company.

It is worth noting that U-Haul and other rental agencies generally prefer that customers have some form of insurance when renting a vehicle, but it is not a requirement. If you decline coverage and do not have another form of insurance to protect the vehicle, you will be responsible for any damage that occurs while the rental truck is in your possession.

Credit card rental coverage typically applies only to cars and other passenger vehicles

Credit card rental coverage is a valuable benefit that can save you money when renting a car. However, it's important to understand that this coverage typically only applies to cars and other passenger vehicles, such as small vans. If you're renting a truck, such as a U-Haul, your credit card rental coverage may not apply.

Most credit card companies offer secondary coverage, which means it kicks in after your personal car insurance policy. In the case of an accident, you would first need to file a claim with your own insurance company before submitting a claim through your credit card provider. This can help cover your deductible or any costs not covered by your personal policy.

Some credit cards offer primary rental coverage, which means it pays out first, and you don't need to involve your personal insurance company. This can be especially useful if you want to avoid filing a claim with your insurer and potentially seeing your premiums rise.

When it comes to rental trucks, such as U-Hauls, credit card coverage may not apply. This is because credit card coverage usually excludes certain types of vehicles, including trucks, vans that seat more than a certain number of people, and vehicles with an open cargo bed. For example, Visa's rental protection specifically excludes all trucks and large vans. Similarly, American Express excludes cargo vans and box trucks from its coverage.

Therefore, if you're planning to rent a truck or moving van, it's important to check the terms of your credit card rental coverage carefully. In most cases, you will need to rely on the rental company's insurance or purchase additional coverage to ensure you're protected in the event of an accident or damage to the vehicle.

Overall, while credit card rental coverage can be a valuable benefit, it's important to understand its limitations, especially when it comes to renting trucks or other types of vehicles beyond standard passenger cars.

Frequently asked questions