Will My Car Insurance Cover My Rental Truck?

December 24, 2019, 7:18

When you rent a truck in Indiana, you won’t be able to legally drive the truck without having rental truck insurance first. This means that at the time you reserve your rental truck, you’ll need to figure out whether or not your personal car insurance policy applies to the rental truck. If it doesn’t, you’ll need to purchase truck rental insurance separately. 

Does Car Insurance Apply to Truck Rentals?

In order to determine whether or not your personal car insurance policy will offer rental truck coverage, you need to talk to your insurer and review your policy, as this can vary on a case-by-case basis. Most of the time, a car insurance policy will not double as a rental truck policy, although there are some exceptions. If your car insurance policy does apply, make sure you’re clear on exactly what’s covered and what’s not. 

Why Do I Need Rental Truck Insurance?

If you’re on the fence about purchasing truck rental insurance, note that it’s required. Truck rental insurance helps to protect you from personal liability in the event that you cause a crash. If you caused a crash in a rental vehicle and didn’t have insurance, you could be held responsible for tens of thousands of dollars. With insurance, you’re protected from large out-of-pocket costs. 

What Are My Other Options?

If your personal vehicle insurance policy doesn’t provide coverage for truck rental, you can purchase coverage directly through the truck rental company. Just ask one of our service representatives about adding coverage to your policy. Remember, we won’t rent out a truck if you don’t have coverage. 

Note that liability coverage may not be the only insurance coverage type that you need. In addition to liability coverage, you should talk to your insurer about coverage for medical payments and personal injuries, as well as personal property coverage. Your insurer can guide you through the different types of rental vehicle coverage options that are available and which ones are appropriate for you. 

Call Marcus/Allard Truck Rental Today to Learn More

If you have questions about rental insurance policy coverage for your rental truck, just call our team. We can guide you through the type of insurance we offer and what the required coverage limits are. 

And for all your other truck rental questions in Indiana, reach out to our team directly. You can connect with us online or by phone for help.