Will my liability insurance cover me if I caused $1,000 worth of damage to another vehicle while driving a U-Haul?

I rented a U-Haul. I have liability insurance on my personal car, so I didn't get U-Haul's coverage. While moving, I hit someone's bumper on a parked car, causing $1,000 worth of damage. Can I file a claim with my personal insurance?

“In all likelihood, you’re probably not even covered by your own liability insurance. Liability coverage can carry over to rental cars, but usually not to trucks of that size.
Your best bet is to call your insurance company and ask if your policy covers a U-Haul. Don’t tell them that you were in an accident. Merely ask questions as if you were going to rent a U-Haul.
If you’re not covered, there’s no sense in telling them you were in an accident because they won’t pay for it anyway.
If you find out you are covered, then you’ll have to decide whether to file a claim or pay the $1,000 out of pocket. If you file a claim, your insurance premium will rise.”
Eric Schad
Answered on Apr 28, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.

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