Moving Truck Insurance: 4 Ways To Add Maximum Protection
Renting moving trucks gives you the freedom and ability to pack, plan, and easily organize your move. When renting a truck, you are taking liability in your hands by operating and holding possession of the truck for an extended period of time. During that time period, it's often a good idea to get as much protection as possible. This will ensure that you will not have to pay any out of pocket costs if an accident or other incident occurs. There are four ways to ensure that you have maximum insurance coverage when renting a moving truck. These insurance options are separate from your basic auto insurance and are purchased as an addition to your rental price.
Cargo Insurance
Along with protecting the actual moving truck, you are transporting your personal valuables and cargo on the inside. If the truck is involved with an accident or theft, then you can lose out on your belongings unless cargo insurance is purchased. The insurance can cover everything that is placed on a truck during the rental period. As you plan to get this insurance, it's a good idea to look at the maximum payouts and types of coverage options.
Each time the truck is filled with items, you should take images to document the cargo insurance. This will help you when filing any claims for theft or damage. The images can help prove your items were on the truck and will help process the claim a lot faster.
Liability Insurance
When renting a moving truck, the large size and operations may make it hard to handle. If the operation of the truck causes an accident or property damage, then you would want some type of liability insurance to help cover the costs and prevent any personal losses for the situation. With liability insurance, an insurance company will cover any legal costs or settlements that come as a result of the accident. During most basic agreements, you will have some type of limited liability. By upgrading to full liability coverage, you can have the maximum protection during the rental period.
Damage Waivers
Getting used to the height and width of a moving truck can easily come with a costly learning curve. For example, if the truck hits a curb, you can easily pop or damage a tire. Instead of being held responsible for the parts and labor, you can sign up for a rental insurance policy known as a damage waiver. These waivers are designed to give you full compensation for any damage that is done to the truck. Another common area that can get damaged on a rental truck is the corner caps. The corner cap is the area at the top of the storage area in a moving truck. When driving under low areas, these parts can easily get dinged or damaged.
This only includes accidental damage, it does not give you the right to drive wildly and damage the truck on purpose. When signing any of these waivers, it's important to look at the full terms and see what is covered under your agreement.
Driver Registrations
When you sign up for a truck rental, it's important to be aware of who the main truck operator will be. During the initial paperwork process, you should provide full names or contact information for every single person that you plan on operating the truck. This can make a huge difference on whether your rental insurance is covered or not. For example, you may have family helping you move from home to home. If your uncle backs up the truck and causes an accident, then you could be liable for all the damages if he is not registered on the rental agreement. Once the agreement is filled out, it's your obligation to ensure that only people on the registered list are allowed to operate the vehicle.
When renting a truck for moving, it's a good idea to express your interest in receiving the maximum insurance. They can offer different packages that will include all of the options above. Prices vary and depend on the actual truck that you rent, along with the full rental time. Visit a site like http://www.elitetruckrental.com for more information.
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