Does U Haul Insurance Cover Damage to other Vehicles?-(Updated)

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When you’re planning your move, one of the most important decisions to make is whether or not to hire a U-Haul truck. While this choice might seem simple enough, there are a few things you should remember before making your decision.

In this article, we’ll discuss whether or not U-Haul insurance covers damage to other vehicles when you’re moving.

Does U Haul Insurance Cover Damage to other Vehicles?

Yes, U Haul insurance does when you opt-in for Safemove plus, it has liability coverage which would cover you against any damages done to other vehicles.

When it comes to moving, there are a lot of things to think about. One of the most important is making sure your belongings are safe during transit. This is where U-Haul’s safe move plus insurance comes in. It covers damage to your belongings as well as to other vehicles and property.

If something happens, you’re covered. That peace of mind is worth the price of admission alone. Only Safemove Plus has liability coverage which would cover you against any damage done to another vehicle.

What is U Haul Insurance?

Are you moving soon and need to rent a U-Haul truck? If so, you may be wondering if you need to purchase U Haul insurance. Is it mandatory? What does it cover?

U Haul insurance is optional but recommended. It covers damage to the rental truck or trailer, as well as any property that is damaged in transit. The cost of the policy depends on the value of your belongings and the size of the truck or trailer you are renting.

Be sure to ask about coverage limits when you are renting your truck. If you have any questions, don’t hesitate to call U Haul customer service. They can help you decide if U Haul insurance is right for you.

What Types of Coverage does U Haul Insurance have?

Does U Haul Insurance Cover Damage to other Vehicles
Does U Haul insurance cover damage to other vehicles?

U Haul provides insurance for their customers who are renting a truck from them. There are several different types of coverage that are available, and each customer is able to choose the coverage that is best for them.

The types of coverage include collision, comprehensive, liability, and supplemental liability. Collision coverage will help to pay for damages to the rental truck if it is involved in an accident. Comprehensive coverage will help to pay for damages to the truck that are not related to a collision, such as theft or vandalism.

Liability coverage will help to pay for damages that are caused by the customer while they are driving the rental truck. Supplemental liability coverage will provide additional protection above and beyond the standard liability coverage.

U Haul Insurance PackagesOpens in a new tab.

For moving trucks, but not for cargo vans or pickup vehicles, U-Haul offers the Safemove insurance package. Safemove comprises:

Damage waiver: Protects against damage to the towing equipment or rental trailer caused by an accident or collision. Also, if you need to make a claim, there is no deductible.

Towed property protection: Coverage limits are $5,000, $10,000, $15,000, or $20,000. Towed property protection covers any damage or loss that happens to your cargo in the U-Haul trailer, up to the coverage limits you choose.

Medical/life protection: You and your passengers are covered for up to $500 in medical costs. Medical/life insurance also covers your life in case you die. Up to $10,000 will be paid out for the death of a lessee, and up to $5,000 will be paid out for the death of a passenger.

SafeMove Plus

Moving truck protection is offered by Safemove Plus, which includes:

All Safemove coverages: Damage waiver, cargo protection, and life/medical protection.

Exclusion-free coverage: The damage waiver coverage for Safemove Plus includes overhead collision damage, in contrast to the standard Safemove package.

Additional liability protection: Offers additional personal liability protection of $1 million.

Coverage for Pickup Trucks and Cargo Vans

U-Haul only provides collision damage waiver coverage for its fleet of cargo vans and pickup vehicles, with a $150 deductible for unintentional damage. Other deductibles can be necessary for business clients.


When renting a trailer, a tow dolly, or a car transfer, U-Haul provides its Safetow coverage. It offers several levels of cargo protection, life insurance and medical expenditure coverage for the drivers and passengers, and it covers damage to the rental equipment.


Safetrip provides pre-paid roadside assistance that includes:

  • Fuel delivery
  • Jumpstart
  • Lockout assistance
  • lost keys
  • stuck automobiles
  • Problems connecting a trailer

Safestor Mobile and Safestor

Your possessions are covered by U-Safestor Haul’s coverage while they are kept in a U-Haul storage facility. In U-Box moving containers, Safestor Mobile guards the contents. A wide range of dangers is covered by Safestor products, including:

  • Burglary
  • Earthquakes
  • Explosions
  • Fire
  • Hail
  • dripping water
  • Smoke
  • Vandalism
  • Vermin

Read Also: What Age Does U Haul Hire in 2023?-(Not What You Think)Opens in a new tab.

How much is safemove plus?

Safemove plus is an optional add-on feature that provides liability insurance coverage of up to $1 million per occurrence for your U-Haul rental truck. This coverage can be a valuable addition if you are planning on using your U-Haul for commercial purposes or transporting large items.
To find out more about safemove Plus, visit their website or call U Haul at 1-800-331-4331.

U-Haul claims. How does it work and how long does it take?

Through Repwest Insurance Company, U-Haul provides truck rental insurance. You can make a claim online at, or call 800-528-7134 (USA) or 800-661-1069 (Canada) (Canada).

You can choose one of three available insurance claiming options:

  • Phone claims
  • Email claims
  • Online claims

The time it takes to process a claim depends on the type of incident and how quickly customer service responds. If you want the process to go as quickly as possible, make sure you give all the proof and information to the agent the first time you talk to them. If you do this, the company will immediately have all the information it needs, which will speed up the process.

Read Also: How Much Does U Haul Charge Per Hour?-(Your Full Guide in 2023)Opens in a new tab.


Tire damage and equipment damage resulting from collisions with overhead objects are not covered by Safemove.

Canada, Connecticut, Louisiana, New Jersey, and New York do not provide Safemove Plus.

Your personal car or its contents are not covered by Safemove, Safemove Plus, or Safetow, even if you tow it using U-Haul auto transport equipment or a U-Haul moving truck.

It can damage the transmission of a U-Haul truck to rock it out of mud or snow, and Safemove or Safemove Plus do not cover this damage.


In conclusion, it is important to know that U Haul’s Safemove Plus insurance does cover damage to other vehicles. This is a valuable coverage to have in the event of an accident. Knowing this information, drivers can feel confident when renting a U-Haul vehicle.

How does U-Haul handle accidents?

U-Haul investigates the accident to determine if there is eligibility for compensation. U-Haul handles the claim and deals with the insurance companies. There are no legal fees until client gets paid.

What happens if you lose a U-Haul key?

U-Haul customer will be responsible for the cost of lost or stolen key. But are not limited to those instances only.

What happens if you break a U-Haul mirror?

Liability coverage

If there is a dent on the side, crack on the windshield, or side view mirror broken, it is fully covered by U-Haul. If the moving truck is stolen, then there has to be a prove there was no neglect on renter’s part to be covered by the damage waiver.

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Chelsea Gates is one of our writers who is a big fan of travel and road trips. Car is an essential part of travel in the USA and car rental services are an excellent way to get around and to create an exciting unique trip. It can be challenging to navigate rules and regulation among different rental companies and states. As an author for this blog Chelsea shares her experience and tips on all rental services that she had to navigate during the travel. She is always on the move and shares her views and discoveries with our readers.

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