renting trucks from uhaul - do any of purchase the optionalinsurance?
A few times a year I rent a truck from uhaul to remove large items
from my house or when I need to transport something large. They charge $15 a day for minimum insurance (covers the truck only), $30 a day covers truck and damage to other property. I am just wondering how many people pay the extra $$ for insurance when renting trucks from u-haul (not for long distance moves, just 1- day use). |
renting trucks from uhaul - do any of purchase the optional insurance?
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renting trucks from uhaul - do any of purchase the optional insurance?
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renting trucks from uhaul - do any of purchase the optional insurance?
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renting trucks from uhaul - do any of purchase the optional insurance?
In article ,
zzzzzzzz says... In article , says... In article , S. Barker wrote: I never purchase any additional insurance. The people who own the vehicle have it insured. To charge that to the renter is just a scam. Try hitting someone or something without the optional insurance, and see who the lawyers go after! (No, better NOT!!!) (Fortunately, I have yet to be in that boat!) Why do personal car insurance policies often cover driving rental vehicles? I suspect there is a need! If you have personal car insurance, and they cover your use of a rental vehicle, and you don't mind putting them on the hook if you bungle driving the truck, then go ahead and decline the optional insurance! Be careful renting a truck with your insurance. You *may* not be covered. Check with your insurance company. Personal auto policies often have a gross vehicle weight limit for covered vehicles. My own covers smaller U-Haul-style rentals, but not full-sized U-Haul trucks. -- is Joshua Putnam http://www.phred.org/~josh/ Braze your own bicycle frames. See http://www.phred.org/~josh/build/build.html |
renting trucks from uhaul - do any of purchase the optional insurance?
In , wrote:
In , krw says... In , says... In , S. Barker wrote: I never purchase any additional insurance. The people who own the vehicle have it insured. To charge that to the renter is just a scam. Try hitting someone or something without the optional insurance, and see who the lawyers go after! (No, better NOT!!!) (Fortunately, I have yet to be in that boat!) Why do personal car insurance policies often cover driving rental vehicles? I suspect there is a need! If you have personal car insurance, and they cover your use of a rental vehicle, and you don't mind putting them on the hook if you bungle driving the truck, then go ahead and decline the optional insurance! Be careful renting a truck with your insurance. You *may* not be covered. Check with your insurance company. Personal auto policies often have a gross vehicle weight limit for covered vehicles. My own covers smaller U-Haul-style rentals, but not full-sized U-Haul trucks. 1. I don't see a gross vehicle registered weight limit in my policy. 2. Check out the registered gross vehicle weights of various rental trucks. My experience is that smaller to moderate U-Haul trucks are what I would call "fluffy". See how many of those are within whatever weight limit your policy specifies. 3. My experience in PA is that the usual driver's license to drive cars also allows such licensed drivers to drive trucks up to 29,000 pounds or something like that, provided this weight does not include a trailer more than 10,000 pounds. IIRC, that PA license also allows Pennsylvanian drivers to drive street-legal motorbikes up to 7 horsepower. I suspect it is at least a little common to have your insurance cover your driving a covered rental vehicle that is in the same license classification as "your covered auto". Furniture is mostly air by volume, even if stuffed with pillows or clothes. A truck filled with furniture and clothes and intended to mainly carry such lighter-fluffier loads will weigh a lot less than one filled with and intended to transport wholesale paper, wholesale foods, building materials, cabinet kits in knocked-down-flat form, compacted trash or liquids. - Don Klipstein ) |
renting trucks from uhaul - do any of purchase the optional insurance?
In article zfidnUW4ZKklDGzanZ2dnUVZ_hCdnZ2d@sasktel,
"Doug Brown" wrote: Sort-a true but usually your own vehicle has to be "temporarily unavailable" like it's in the shop. I amnot aware of any auto policy that just straight up covers the rental that I use one a one day basis, or maybe while on holdays away from home or on a business trip. I'm not saying that your personal auto policy won't cover this but you had best check with your broker/agent first. According to my insurance agent, the policy follows me, not the vehicle. So, whatever I am driving is covered. |
renting trucks from uhaul - do any of purchase the optionalinsurance?
On Mar 31, 10:02*pm, krw wrote:
In article , says... In article , S. Barker wrote: I never purchase any additional insurance. *The people who own the vehicle have it insured. *To charge that to the renter is just a scam. * Try hitting someone or something without the optional insurance, and see who the lawyers go after! *(No, better NOT!!!) Yes, exactly. To say that because the rental company has insurance means that the renter doesn't need any is very bad advice. If you hit someone with a rental vehicle and it's your fault, the other party is going to come after YOU for the cost of their damage and injuries. And the rental company and/or their insurance company is going to come after YOU for the cost of repairs to the rental vehicle. Even in a private party arrangement, if I lend my car to someone and they damage it, I have every right to make that party pay for the repairs even if I have collision insurance that would cover it. The concept here is simple. You lend something to someone for them to use and they are bound to return it in the same condition it was when they took it. I'm not saying the insurance offered by rental companies is a good deal. In many cases, either your own auto policy or free insurance provided by some credit card companies when you use their card, may be sufficient, depending on your circumstances, etc. But you better understand your liability and what insurance coverage you have/need. And as pointed out, I'd pay particular attention to what any existing insurance says about trucks, gross weight, etc. * (Fortunately, I have yet to be in that boat!) * Why do personal car insurance policies often cover driving rental vehicles? *I suspect there is a need! * If you have personal car insurance, and they cover your use of a rental vehicle, and you don't mind putting them on the hook if you bungle driving the truck, then go ahead and decline the optional insurance! Be careful renting a truck with your insurance. *You *may* not be covered. *Check with your insurance company. -- Keith |
renting trucks from uhaul - do any of purchase the optionalinsurance?
On Apr 1, 7:48*am, Kurt Ullman wrote:
In article zfidnUW4ZKklDGzanZ2dnUVZ_hCdnZ2d@sasktel, *"Doug Brown" wrote: Sort-a true but usually your own vehicle has to be "temporarily unavailable" like it's in the shop. *I amnot aware of any auto policy that just straight up covers the rental that I use one a one day basis, or maybe while on holdays away from home or on a business trip. *I'm not saying that your personal auto policy won't cover this but you had best check with your broker/agent first. * * *According to my insurance agent, the policy follows me, not the vehicle. So, whatever I am driving is covered. I would bet that statement is untrue. For example, I highly doubt that collision coverage on a 5 year old economy Hyundai is going to pay for the cost of a totalled rental Lincoln Navigator. |
renting trucks from uhaul - do any of purchase the optional insurance?
what if you don't own a car and thusly wouldn't have any car insurance???
do tell.... s "Don Klipstein" wrote in message ... Why do personal car insurance policies often cover driving rental vehicles? I suspect there is a need! If you have personal car insurance, and they cover your use of a rental vehicle, and you don't mind putting them on the hook if you bungle driving the truck, then go ahead and decline the optional insurance! - Don Klipstein ) |
renting trucks from uhaul - do any of purchase the optional insurance?
You insure the car, not the driver. Better read it closer.
s "Kurt Ullman" wrote in message ... According to my insurance agent, the policy follows me, not the vehicle. So, whatever I am driving is covered. |
renting trucks from uhaul - do any of purchase the optionalinsurance?
On Apr 1, 10:35*am, "S. Barker" wrote:
what if you don't own a car and thusly wouldn't have any car insurance??? do tell.... s Then you better take the optional insurance offered by the rental company, or face the prospect of being liabel for not only the value of the rental car, but also the cost of damage to other cars, property, medical bills, etc. What's so hard to understand? "Don Klipstein" wrote in message ... *Why do personal car insurance policies often cover driving rental vehicles? *I suspect there is a need! *If you have personal car insurance, and they cover your use of a rental vehicle, and you don't mind putting them on the hook if you bungle driving the truck, then go ahead and decline the optional insurance! - Don Klipstein )- Hide quoted text - - Show quoted text - |
renting trucks from uhaul - do any of purchase the optionalinsurance?
On Apr 1, 10:37*am, "S. Barker" wrote:
You insure the car, not the driver. *Better read it closer. Obviously you don't have a clue here. Vehicles don't cause accidents, people do. As Kurt pointed out, almost all policies cover the policy holder for liability, regardless of who's car they happens to be driving. That means if I borrow someone's car and cause an accident, my insurance company will cover me to the limits of my policy for damage and injuries I caused to the vehicle I hit. This only makes sense. You think I want to get behind the wheel of someone else's car, say while sharing driving on a trip, have an accident, and then find out they only have the minimal coverage and the accident exceeds that? Or that they let the policy lapse and have no insurance? I don't care about that, because MY policy protects me. Now, if you have collision coverage on your car, in most cases, that coverage may not extend to another vehicle you happen to be driving. s "Kurt Ullman" wrote in message ... * * According to my insurance agent, the policy follows me, not the vehicle. So, whatever I am driving is covered.- Hide quoted text - - Show quoted text - |
renting trucks from uhaul - do any of purchase the optional insurance?
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renting trucks from uhaul - do any of purchase the optionalinsurance?
On Apr 1, 2:31*pm, "Rick Brandt" wrote:
wrote: On Apr 1, 10:37 am, "S. Barker" wrote: You insure the car, not the driver. Better read it closer. Obviously you don't have a clue here. * Vehicles don't cause accidents, people do. *As Kurt pointed out, almost all policies cover the policy holder for liability, regardless of who's car they happens to be driving. * That means if I borrow someone's car and cause an accident, my insurance company will cover me to the limits of my policy for damage and injuries I caused to the vehicle I hit. * This only makes sense. * You think I want to get behind the wheel of someone else's car, say while sharing driving on a trip, have an accident, and then find out they only have the minimal coverage and the accident exceeds that? * Or that they let the policy lapse and have no insurance? * I don't care about that, because MY policy protects me. Now, if you have collision coverage on your car, in most cases, that coverage may not extend to another vehicle you happen to be driving. It seems to me that the insurance industry gets to have it both ways. *It would make sense (to most people I think) for liability coverage to follow the driver and collision/comprehensive coverage to follow the car. That's how it works in most cases. BUT...if I own four cars and have collision/comprehensive coverage on NONE of them I still have to obtain (and pay for) four policies. *Why is this the case? *I can only be behind the wheel of one car at a time. The insurance company assumes, with some validity, that if you have 4 cars, there are more drivers than just you and there is more driving. I would agree that there should be a policy that only protects one driver. Also I was hit several years ago while borrowing my sister-in-law's car. *It was HER insurance company that got involved, not mine. *These would seem to indicate that the coverage follows the car, not the driver. The key here is that YOU were hit. Had you hit a bus full of nuns, the situation would be radically different. They could have come after YOU and your SIL. BUT...if a four driver household has only one vehicle they still need a policy for each of the drivers, not just one (right?). No, they need a policy for the one vehicle. Along the way, they will disclose that there are 4 drivers regularly using the vehicle. The policy will then cover the owner. *And that seems to indicate that the coverage follows the driver and not the car. No. Bottom line is that whatever situation causes the insurance company to collect the most money seems to be the rule.- Hide quoted text - - Show quoted text - |
renting trucks from uhaul - do any of purchase the optional insurance?
In article ,
says... In , wrote: Personal auto policies often have a gross vehicle weight limit for covered vehicles. My own covers smaller U-Haul-style rentals, but not full-sized U-Haul trucks. 1. I don't see a gross vehicle registered weight limit in my policy. Sorry, misstated that, the danger of quoting from memory. I look it up before actually renting anything. It's a limit on load capacity. There's one section that defines "your covered car," which includes various "private passenger cars" or "utility cars." A "utility car" is defined elsewhere as a pickup truck, van, or panel truck with a limit on rated cargo capacity, 2000 lbs. Smaller U-hauls are rated under 2000lbs capacity, larger ones are over. -- is Joshua Putnam http://www.phred.org/~josh/ Braze your own bicycle frames. See http://www.phred.org/~josh/build/build.html |
renting trucks from uhaul - do any of purchase the optional insurance?
In article 17384963-e8ae-47bd-8c66-cc46fec967c2
@s13g2000prd.googlegroups.com, says... BUT...if I own four cars and have collision/comprehensive coverage on NONE= of them I still have to obtain (and pay for) four policies. =A0Why is this= the case? =A0I can only be behind the wheel of one car at a time. The insurance company assumes, with some validity, that if you have 4 cars, there are more drivers than just you and there is more driving. I would agree that there should be a policy that only protects one driver. There are many options available for this. From most companies, you can insure all four vehicles, rate one of them as the one you drive regularly, and insure the other three at reduced rates as rarely-driven vehicles. Some companies will allow you to keep liability coverage on just one vehicle, and keep the others "laid up," not in use, and put liability coverage on them only when you're actually using them. The liability rate is higher per day, but you only pay for it when you're using it. Some specialty insurers do have liability-only coverage that follows the driver in any owned or non-owned vehicle. BUT...if a four driver household has only one vehicle they still need a policy for each of the drivers, not just one (right?). No, they need a policy for the one vehicle. Along the way, they will disclose that there are 4 drivers regularly using the vehicle. The policy will then cover the owner. If the four drivers are all disclosed to the insurance company, and are all rated on the vehicle, then the policy can be written to cover all four of the drivers, not just the owner. The four drivers will have liability coverage when they drive other vehicles, too, *except*, generally, vehicles they have regular access to. (In other words, if you borrow your friend's car occasionally, you're generally covered. If your friend lets you borrow the car for six months and keep it parked at your house, you should check with your agent about getting non-owner coverage on that car.) Disclaimer: I am not your insurance agent, I haven'r read your policy, coverage varies by company, policy, state, etc. -- is Joshua Putnam http://www.phred.org/~josh/ Braze your own bicycle frames. See http://www.phred.org/~josh/build/build.html |
renting trucks from uhaul - do any of purchase the optional insurance?
In article ,
says... In , wrote: In , krw says... In , says... In , S. Barker wrote: I never purchase any additional insurance. The people who own the vehicle have it insured. To charge that to the renter is just a scam. Try hitting someone or something without the optional insurance, and see who the lawyers go after! (No, better NOT!!!) (Fortunately, I have yet to be in that boat!) Why do personal car insurance policies often cover driving rental vehicles? I suspect there is a need! If you have personal car insurance, and they cover your use of a rental vehicle, and you don't mind putting them on the hook if you bungle driving the truck, then go ahead and decline the optional insurance! Be careful renting a truck with your insurance. You *may* not be covered. Check with your insurance company. Personal auto policies often have a gross vehicle weight limit for covered vehicles. My own covers smaller U-Haul-style rentals, but not full-sized U-Haul trucks. Exactly. When I last checked, I believe my insurance covered up to 10Klbs, GVW. IIRC, U-Hauls go up to 16K (I believe a CDL is required after that). 1. I don't see a gross vehicle registered weight limit in my policy. Which is why I said to check. Some do. 2. Check out the registered gross vehicle weights of various rental trucks. My experience is that smaller to moderate U-Haul trucks are what I would call "fluffy". See how many of those are within whatever weight limit your policy specifies. Fluffy? 3. My experience in PA is that the usual driver's license to drive cars also allows such licensed drivers to drive trucks up to 29,000 pounds or something like that, provided this weight does not include a trailer more than 10,000 pounds. IIRC, that PA license also allows Pennsylvanian drivers to drive street-legal motorbikes up to 7 horsepower. I suspect it is at least a little common to have your insurance cover your driving a covered rental vehicle that is in the same license classification as "your covered auto". Furniture is mostly air by volume, even if stuffed with pillows or clothes. A truck filled with furniture and clothes and intended to mainly carry such lighter-fluffier loads will weigh a lot less than one filled with and intended to transport wholesale paper, wholesale foods, building materials, cabinet kits in knocked-down-flat form, compacted trash or liquids. U-Hauls aren't designed to carry pig-iron either. ;-) My last move (11/'07) was about 10Klbs, about the same size as the largest U-Haul. -- Keith |
renting trucks from uhaul - do any of purchase the optional insurance?
Not hard at all. If i loan my car to someone, then MY insurance covers the
car and the liability. Same with the rental car co. THEIR car, THEIR insurance. s duh. wrote in message ... What's so hard to understand? |
renting trucks from uhaul - do any of purchase the optional insurance?
In , Rick Brandt wrote:
wrote: On Apr 1, 10:37 am, "S. Barker" wrote: You insure the car, not the driver. Better read it closer. Obviously you don't have a clue here. Vehicles don't cause accidents, people do. As Kurt pointed out, almost all policies cover the policy holder for liability, regardless of who's car they happens to be driving. That means if I borrow someone's car and cause an accident, my insurance company will cover me to the limits of my policy for damage and injuries I caused to the vehicle I hit. This only makes sense. You think I want to get behind the wheel of someone else's car, say while sharing driving on a trip, have an accident, and then find out they only have the minimal coverage and the accident exceeds that? Or that they let the policy lapse and have no insurance? I don't care about that, because MY policy protects me. Now, if you have collision coverage on your car, in most cases, that coverage may not extend to another vehicle you happen to be driving. It seems to me that the insurance industry gets to have it both ways. It would make sense (to most people I think) for liability coverage to follow the driver and collision/comprehensive coverage to follow the car. BUT...if I own four cars and have collision/comprehensive coverage on NONE of them I still have to obtain (and pay for) four policies. Why is this the case? I can only be behind the wheel of one car at a time. Also I was hit several years ago while borrowing my sister-in-law's car. It was HER insurance company that got involved, not mine. These would seem to indicate that the coverage follows the car, not the driver. BUT...if a four driver household has only one vehicle they still need a policy for each of the drivers, not just one (right?). And that seems to indicate that the coverage follows the driver and not the car. My experience indicates that what is required in this case is a single policy with a higher rate for having extra drivers in the household. Bottom line is that whatever situation causes the insurance company to collect the most money seems to be the rule. - Don Klipstein ) |
renting trucks from uhaul - do any of purchase the optional insurance?
wrote A few times a year I rent a truck from uhaul to remove large items from my house or when I need to transport something large. They charge $15 a day for minimum insurance (covers the truck only), $30 a day covers truck and damage to other property. I am just wondering how many people pay the extra $$ for insurance when renting trucks from u-haul (not for long distance moves, just 1- day use). Oddly enough I did just that last week, rented a truck to move some stuff my car can't. I was surprised at how much this place wanted for insurance so I didn't spring for it. I know from earlier experience that my insurance does not cover rental trucks, just cars. Needless to say, being uninsured, I ran my errands and got rid of that truck as soon as I could. This place wanted $40 for the day, a blatant ripoff. A different place I used last year was $10 and I thought that was fair. I'm not offering advice either way. I took a chance and got away with it. nancy |
renting trucks from uhaul - do any of purchase the optional insurance?
In article , S. Barker wrote:
what if you don't own a car and thusly wouldn't have any car insurance??? do tell.... "Don Klipstein" wrote in message ... Why do personal car insurance policies often cover driving rental vehicles? I suspect there is a need! If you hit anyone/anything and you have any assets other than the money that you are spending to rent the truck, the injured person or owner of injured property can sue you for it. If you have assets less than such damage, you can hypothetically be forced into bankruptcy. If you don't have personal auto coverage that covers liability while driving the rental truck, if I were you I would buy optional insurance sufficient to cover at least a boggled parking maneuver, and a fender bender can easily cause a $3,000-plus repair bill even for a cheaper car - let alone a Lexus, BMW, Audi... And a truck can cause damage worse than "fender bender" to a car even at less than 5 MPH. In addition, the owner of the dented car may also sue for cost of a rental car to use while the dented car is in the shop. If your personal auto policy covers your liability while driving a rental truck, be sure to carry your insurance card. If not, make sure you know what document shows liability coverage - you will need that if you hit anyone or anything, or get pulled over by the police for anything - such as failure to signal a turn, violating a truck restriction, speeding or misinterpreting an officially authorized person directing traffic. - Don Klipstein ) |
renting trucks from uhaul - do any of purchase the optional insurance?
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