|
Posted by krw on April 1, 2008, 7:24 pm
says...
> >>>>I never purchase any additional insurance. The people who own the
> >>>>vehicle have it insured. To charge that to the renter is just a scam.
> >>>
> >>> Try hitting someone or something without the optional insurance, and see
> >>> who the lawyers go after! (No, better NOT!!!)
> >>> (Fortunately, I have yet to be in that boat!)
> >>> Why do personal car insurance policies often cover driving rental
> >>> vehicles? I suspect there is a need!
> >>>
> >>> If you have personal car insurance, and they cover your use of a
> >>> rental vehicle, and you don't mind putting them on the hook if you bungle
> >>> driving the truck, then go ahead and decline the optional insurance!
> >>
> >> Be careful renting a truck with your insurance. You *may* not be
> >> covered. Check with your insurance company.
> >
> >Personal auto policies often have a gross vehicle weight limit for
> >covered vehicles. My own covers smaller U-Haul-style rentals, but not
> >full-sized U-Haul trucks.
Exactly. When I last checked, I believe my insurance covered up to
10Klbs, GVW. IIRC, U-Hauls go up to 16K (I believe a CDL is
required after that).
> 1. I don't see a gross vehicle registered weight limit in my policy.
Which is why I said to check. Some do.
> 2. Check out the registered gross vehicle weights of various rental
> trucks. My experience is that smaller to moderate U-Haul trucks are
> what I would call "fluffy". See how many of those are within whatever
> weight limit your policy specifies.
Fluffy?
> 3. My experience in PA is that the usual driver's license to drive cars
> also allows such licensed drivers to drive trucks up to 29,000 pounds or
> something like that, provided this weight does not include a trailer more
> than 10,000 pounds. IIRC, that PA license also allows Pennsylvanian
> drivers to drive street-legal motorbikes up to 7 horsepower.
> I suspect it is at least a little common to have your insurance cover
> your driving a covered rental vehicle that is in the same license
> classification as "your covered auto".
>
> Furniture is mostly air by volume, even if stuffed with pillows or
> clothes. A truck filled with furniture and clothes and intended to
> mainly carry such lighter-fluffier loads will weigh a lot less than one
> filled with and intended to transport wholesale paper, wholesale foods,
> building materials, cabinet kits in knocked-down-flat form, compacted
> trash or liquids.
U-Hauls aren't designed to carry pig-iron either. ;-) My last move
(11/'07) was about 10Klbs, about the same size as the largest
U-Haul.
--
Keith
| 
Yahoo! 
Google 
Windows Live 
del.icio.us 
digg 
Netscape 
XML Sitemap