What does uhaul safemove cover

If you get into an accident with your rented moving van or trailer, not only could your stuff be damaged, but you could also be on the hook for repairs to the rental vehicle. Like rental car companies, services like U-Haul encourage customers to buy company-provided coverage that absolves them of financial responsibility for the vehicle if it is damaged.

But the circumstances of a truck or trailer rental are different from those of a car rental. Most of the time when you're renting a passenger car, you can decline the coverage offered at the rental counter. That's because personal auto insurance policies typically extend to rental cars.

The credit card you use to pay for the rental may offer additional coverage, which usually kicks in after your own insurance has paid out. It's a different story with rented trucks and trailers:. It's common for personal auto policies to specifically exclude cargo vehicles, trailers and vehicles over a certain weight. You might have some wiggle room if you're renting a small van, however. Credit card coverage usually applies only to cars and other passenger vehicles. For example, the rental benefits offered by Visa exclude all trucks as well as vans that seat more than eight people.

As U-Haul says on its website : "Damage coverage is essential because all major credit cards and most car insurance policies do not typically cover our rental equipment.

This misconception could wind up costing you. Buying coverage through your rental company eliminates some of the guesswork. Before renting, look at the company's website for details about coverage options; once you rent, look though your coverage agreement before hitting the road.

The protection you buy from the rental company typically covers "accidental damage," such as hitting or getting hit by another vehicle. Rental policies commonly exclude mechanical damage and damage caused by hitting an overhead object — two common perils for inexperienced van drivers:.

Mechanical damage includes such things as stripping the transmission gears by shifting incorrectly or overtaxing the drivetrain by hauling heavy loads in the wrong gear. Overhead objects are a constant danger for drivers accustomed to operating vehicles half as tall as a rental truck. Visit the Safestor page to learn more. Some homeowners insurance policies may provide partial coverage, so you should check with your carrier to be certain.

You can add SafeTrip at the counter when you pick up your vehicle. It can also be added online prior to your rental through your account on your order details page. You can look up your order or sign in to your account here.

If you already declined at the time of dispatch you must return to the U-Haul location you rented your vehicle within 30 minutes of pickup to request it to be added to your reservation. If you do not return within 30 minutes you cannot have SafeTrip coverage added to your reservation.

Yes, it will also cover tow and impound fees associated with the collision. All interstate and state highways are OPEN. Chat with a U-Haul representative online now. Contact us using the email form or email us directly at service uhaul. Thank you for chatting with us today! We are always looking to improve our service. Your opinions and feedback are very important to us! Please help us with a review of your recent experience.

The following survey should take you no longer than 60 seconds to complete. Safetrip is supplemental roadside protection for your U-Haul rental equipment. It is a coverage option available to you for a flat rate. Have peace of mind knowing help is on the way when you need it.

Assuming that you have a certain type of coverage could cost you. NerdWallet notes that purchasing coverage through your rental company means you don't have to guess whether you have coverage in the event of an accident.

Review the company's coverage options, which should be listed on the company website. When you purchase your coverage, review the agreement to determine the following:. With U-Haul, you can choose between these two protection packages:. Penske and Budget Truck Rental offer a menu of coverage options that you can add to your coverage agreement.

However, this usually will end up costing you more than a U-Haul package, especially on longer moves. According to The Zebra , if you decide to rent a U-Haul truck that has a full 1-ton towing capacity similar to an F or or smaller, your personal car insurance policy should extend to cover that vehicle, similar to if you rent a car.

If you need to rent a tow trailer, your personal policy should cover that as well. Keep in mind, that if the truck or tow trailer sustains damage when it's in your possession, you may have to pay additional fees. That's why you should still consider buying coverage from U-Haul.

If you rent a truck that has a towing capacity of over 1 ton, your personal policy won't provide any coverage. Remember that, while your personal policy may extend to smaller U-Haul trucks, it won't cover your cargo if you're at fault in an accident. You should make sure that your homeowner's policy covers your cargo when moving. If the other driver is at fault, their property damage liability insurance will cover any damaged cargo.

If the truck is damaged or you're injured while driving a rental truck and you're at fault, your personal policy won't cover the costs. However, the other driver's liability insurance should pay for medical care and repairs if they're at fault. As Insurance Panda notes, insurance policies can vary, so before renting a U-Haul truck and purchasing coverage from U-Haul, check your personal insurance policy to see exactly what it covers and what it excludes.

Don't be afraid to contact your insurance agent if you need clarification. Keep in mind that U-Haul expects to be reimbursed for damages as soon as you return the truck to the rental office. If you purchase coverage from U-Haul instead of relying on personal insurance, you won't be on the hook because you're waiting for your insurance company to process a claim. Check this out if you need additional information, resources, or guidance on car insurance.