Rental truck insurance?

Question

We are renting a truck for a move,from Penske. They insist we have to get special insurance for their truck-it's around 110 .00. They say our private vehicle insurance does not cover that. Is that true??

Answer 1

Well, I would recommend getting the insurance.  I rented a truck (from a different company) and hit a parked car.  My own insurance covered the damage to the other car, but the insurance I purchased thru them covered the damage to the truck.  Boy am I glad that I got it!!!

Answer 2

True.   Personal auto policies only carry over onto PRIVATE PASSENGER type vehicles - not trucks.

But I think you're silly for asking Penske, or even here - GO ASK YOUR AGENT!!!!

Answer 3

Your auto insurance will only cover vehicles up to certain weight limits.  When you take a larger truck and put all your contents in it, you have probably exceeded what is covered under normal insurance.  You will have a commercial exposure.  I would recommend the insurance.  It will keep you insurance out of a claim and will probably give you coverage for contents that your auto policy would not have also.  To be sure check with your insurance agent.  Good Luck.

Answer 4

it depends on the weight of the truck.  your auto policy has limits on it.  if it is a larger truck, then its most likley true.  contact your agent to see what the weight restrictions are.  i used a 10 ft truck and it was covered under my auto, but when i had to use a 20 ft one it was not.

Answer 5

Call your insurance agent it should be covered if not purchase it from your agent, it will be cheaper.