Simply Explaining Insurance #98- Coverage for a Uhaul

In Idaho, we are having an influx of people moving here from out of state. Many of them are renting Uhauls to transport their belongings to their new home. Do they need to buy the coverage from the rental truck facility when the pick up the truck?

My best and simplest answer to that is “yes”. Most auto insurance policies from most carriers will transfer to a rental vehicle if the vehicle is of like size. This is based on gross vehicle weight and if you dig into the policy, you will likely find an actual maximum weight that is allowable on the policy.

The types of trucks rented to move generally are heavier than the maximum allowable weight on a personal auto policy. Therefore coverage would not be transferrable to the truck.

As always, it is smart to call your agent to verify as policies vary from company to company and state to state.