Did you know – you may not be covered?

Back to damage coverage programs

Credit cards and most personal insurance policies DO NOT cover damage to rental trucks and trailers, even if they cover damage to rental cars. If yours does cover rental trucks, you have deductibles and increased premiums to consider and you must reimburse U-Haul immediately upon return regardless of coverage and regardless of fault. You are responsible for all damage to U-Haul rental equipment up to the full replacement value. When you select a protection program, you may be relieved of this responsibility.

Please do not assume you are covered, check with your carrier first.

Quotes from popular credit card companies:

Car rental loss and damage insurance covers most rental cars, when they are rented on a daily or weekly basis. But it does not cover rentals of: off-road vehicles, trucks, campers and trailers and any other vehicle which is not a rental car.

What types of vehicles are not covered? Excluded worldwide are: Expensive, exotic, and antique automobiles, certain vans, trucks, motorcycles, mopeds and motorbikes, limousines and recreational vehicles.

Secondary Rental Car Collision Coverage is an insurance program and is limited to rental cars only.

Excluded rental vehicles: All truck's, pick-up's, off-road vehicles or full sized vans.

Many definitions of "Auto" and "Car" as applicable to the auto/car damages coverages sections of your personal auto policy often times do not cover trucks. Check your policy carefully.

Examples of "Auto" and "Car" policy definitions that do not include a rental truck:

Private Passenger Auto means a four-wheeled private passenger, station wagon or jeep-type auto. Temporary Substitute Auto means an automobile or trailer, not owned by you, temporarily used with the permission of the owner. This vehicle must be used as a substitute for the owned auto or trailer when withdrawn from normal use because of breakdown use it's repair, servicing loss or destruction. Utility Auto means a vehicle, other then a farm auto, with a load capacity of 2,000 lbs. or less, of the pick-up body, van or panel truck type not used for commercial purposes. *Geico - Arizona Family Automobile Insurance Policy, A-30AZ (10/98)

Car means your insured car, a private passenger car, and a utility car. Private passenger car means a four-wheel car of the private passenger type. Utility car means a car with a rated load capacity of 2,000 lbs. or less, of the pickup van, sedan delivery or panel truck if not used in any business. *American Family Insurance Group - Arizona Family Car Policy Form. U-5 (AZ) Ed. 4/96

"Your Covered Auto" means any auto or trailer not owned by you while used as a temporary substitute for any other auto described in this definition (Which is out of normal use because of its breakdown, repair servicing, loss or destruction.) *Allstate Insurance - AZ Automobile Policy, AZR 2/94

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