Rental Vehicle

Does personal automobile insurance cover you when you are driving a rental moving truck?

Answer: Your liability insurance will cover you when you are driving a non-owned vehicle with permission (or sometimes even when you have a reasonable belief the use is with permission). This provides you liability coverage under your own policy.

Your policy may or may not also provide physical damage coverage on the rental vehicle. You just have to check the policy. Mine with USAA does cover the rental car. This means I don't have to pay the outrageous daily rate to the car rental policy. (Multiply the daily rate times 365 and you will see how outrageous it is.)

Actually, most of us need never pay the "collision damage waiver" the rental companies offer. Almost all credit card companies have a provision in their contracts that, if you rent a car with their card, they will pay any damage to the rental car not covered by insurance. The only one I have had difficulty was Discover, which had a provision in its contract that you had to first pay the damage and then Discover would reimburse you.

Be aware some low end insurance companies exclude from liability coverage where the rental vehicle exceeds a certain load capacity. I have the issue now with Allstate. However, that provision is almost certainly invalid to the extent of the compulsory insurance law limits. See for example: held invalid: Equity Mut. Ins. Co. v. Spring Valley Wholesale Nursery, Inc., 1987 OK 121, 747 P.2d 947, 951 (radius exclusion in a truck policy); Young v. Mid-Continent Cas. Co., 1987 OK 88, 743 P.2d 1084; (young driver exclusion); Nation v. State Farm Ins. Co., 1994 OK 54, 880 P.2d 877 (household resident exclusion). Gordon v. Gordon, 2002 OK 5, 41 P.3d 391 (household exclusion valid to extent claimant has minimum required coverage. Baldridge v. Kirkpatrick, 2003 OK CIV APP 9, 63 P.3d 568: Lack of notice not a defense to compulsory insurance law coverage; O’Neil v. Long, 2002 OK 63, 54 P.3d 109, 116: Use beyond scope of permission not a defense.