The U-Haul Insurance Agreement: What You Need to Know
When it comes to moving, renting a U-Haul truck is a popular choice for many people. However, before you hit the road, it`s important to understand the U-Haul insurance agreement. This agreement outlines your coverage and responsibilities as a renter.
What is U-Haul Insurance?
U-Haul offers two types of insurance coverage: Safemove and Safemove Plus. These plans cover damage to the U-Haul truck, your personal belongings, and any injuries sustained during the rental period. Safemove Plus also includes additional coverage for roadside assistance, damage caused by acts of nature, and towing.
Do I Need U-Haul Insurance?
While U-Haul insurance is not mandatory, it is highly recommended. Without insurance, you are responsible for any damage or injuries that occur during the rental period. This can include repairs to the truck, replacement of your belongings, and medical bills.
If you have personal auto insurance or a credit card that includes rental coverage, you may be able to decline U-Haul insurance. However, it`s important to check with your insurance provider to ensure that you have adequate coverage.
What Does U-Haul Insurance Cover?
U-Haul insurance covers a variety of potential risks during the rental period. This includes:
– Damage to the truck: If you get into an accident or damage the truck in some other way, U-Haul insurance will cover the cost of repairs.
– Personal belongings: If your personal belongings are damaged or stolen during the rental period, U-Haul insurance will cover the cost of replacement.
– Injury: If you or someone else is injured during the rental period, U-Haul insurance will cover the cost of medical bills.
Additional coverage with Safemove Plus includes:
– Roadside assistance: If you experience a breakdown or other issue with the U-Haul truck, U-Haul will provide roadside assistance.
– Acts of nature: If damage is caused by a natural disaster, such as a hurricane or tornado, U-Haul insurance will cover the cost of repairs.
– Towing: If the U-Haul truck needs to be towed due to a breakdown or other issue, U-Haul insurance will cover the cost of towing.
What is Not Covered by U-Haul Insurance?
There are some situations that are not covered by U-Haul insurance. This includes:
– Damage caused by your negligence: If you cause damage to the truck due to negligence, such as driving under the influence or overloading the truck, you will be responsible for the cost of repairs.
– Damage caused by unauthorized drivers: If someone who is not listed on the rental agreement drives the U-Haul truck and causes damage, U-Haul insurance will not cover the cost of repairs.
– Personal items left in the truck: U-Haul insurance only covers personal belongings that are damaged or stolen during the rental period. If you leave items in the truck after returning it, U-Haul is not responsible for any damages.
Conclusion
Renting a U-Haul truck can make moving easier, but it`s important to understand the insurance agreement before you hit the road. U-Haul insurance can provide coverage for damage to the truck, personal belongings, and injuries sustained during the rental period. While not mandatory, it is highly recommended to ensure that you are protected in case of an accident or other issue.