Jul 09, 2015
When renting a moving truck in Baton Rouge, LA, some individuals believe they have to buy insurance through moving truck to be covered. Read more to see if this is necessary.
Every time you rent a moving truck, you are faced with the question, “do you want to buy insurance?” The answer to needing insurance or not really depends solely on the size of the vehicle (in addition to what coverage you currently carry, of course) as well as whether or not it is even a vehicle.
The coverage that the rental car company is selling you is collision and comprehensive coverage and, since this vehicle is replacing your existing one temporarily your most standard auto policies will cover the usage of a temporary replacement vehicle usually up to 10,000 GVW. If a vehicle is over this GVW, it would be excluded from coverage. Additionally, if the cab is separated from the bed, this will also create an exclusion from coverage for most auto insurance policies.
Truck rental companies typically offer four types of coverage:
With anything, please feel free to call us with questions. This article is meant to be informative, but not a means of advice as every insurance company is a bit different and coverage varies greatly between each carrier. If you have questions about a rental vehicle, please contact our office and speak directly to a licensed agent to ensure that your situation is covered.
If you have questions about your home, auto or business insurance, call the insurance agents at Insurance Network of Louisiana in Baton Rouge, LA. Since they live where you do, they understand both your insurance options as well as the best company to place your home or auto insurance with in Louisiana. With years of insurance experience they can easily help you insure everything from your home to your auto orbusiness insurance. Because they’re an independent insurance agent, they can help you find the right company to fit your needs. You can also check out their website, 24/7.