If you have to shift your house to a different location all your things cannot be dumped inside the car and brought. You need to rent a van or a truck. It is better to move your things through truck rather than asking your friend or relatives. You can make sure whether your car insurance company covers for the rented vehicle before loading your things into the vehicle.
Many of the insurance companies give extra insurance coverage which you can purchase. But you would not be ready to pay extra coverage to protect your truck and your belongings. So first contact your insurance company whether they cover rental vehicle, because sometimes along with the protection of your car insurance policy they will extend for your rental vehicle also. It is a problem for trucks with large move because insurance companies do not cover for the vehicles with large weight.
- If any damage is caused to the truck only, then limited damage waiver insurance will cover for the damage.
- If any damage or any injury is caused with the moving truck then supplemental liability insurance will cover the claims made against moving company or you.
Protecting Your Personal Stuff
Your personal items and the valuables you have kept in your vehicle will not be covered by the car insurance company. In the same way your personal items and things which you have loaded on the moving van or any of the things damaged or stolen while moving will also not be covered. Your car insurance company might cover only the damages and the injuries caused by you.
Remember one thing that your home insurance or the renters insurance will cover your personal things even if your things are in truck. Supplemental coverage will be provided for your personal items from the company you rent your truck. Most of the times basic coverage for your personal items will be included for the hiring movers.