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What do I do if I get into an accident while driving a U-Haul?
My girlfriend and I were driving a U-Haul and I accidentally backed into a gas pump. The insurance representatives at U-Haul said they would pay for $15,000 of damage but the gas station charged them $85,000. They told me I would be responsible for the rest. I don't have the money for that. What are my options?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Since U-haul will not pay anything additional, your best bet is to contact your
car insurance
company. Most of the time commercial vehicles are not covered, but some insurance companies have an exception for when customers are renting a U-haul to move.
Every insurance provider is different. For example, some have a limit on the size of the U-haul they will provide
liability coverage
for, and others will not provide coverage at all. Most insurance providers will not offer comprehensive and collision coverage
for U-haul, just liability coverage. If your insurance company will pay for the damage caused to the gas station, it would be paid out from your
property damage
limit. Even if you carried the recommended limit of $50K, you would still be on the hook for the additional $35K. Either way, it may be a good idea to get in touch with a car insurance lawyer to help navigate your options.
In the future, you may want to consider buying U-Haul Safemove Plus insurance, which offers an additional $1 million in supplemental
liability insurance
that covers property damage, injuries, and legal action involving third parties. You also want to always work closely with your insurance agent anytime you rent a vehicle. If you are looking for better service and a cheaper rate, the
Jerry
app can help! Jerry shops prices with over 50 insurance companies and delivers the lowest rates straight to your phone in minutes. If you have any questions, you can text an agent, and they will text right back with assistance!”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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