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Car Accident with a Rental Truck

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 09/03/2018

Q: We rented a U-Haul for our move on 7/1/18. The brakes on the U-Haul were very hard to stop. My husband rear-ended me & caused some damage to my car.
We reported the bad brakes to U-Haul & put in a claim on my car.
U-Haul reported to us, since my husbands name is on the car & he was driving the U-Haul when it hit my car, we can not file a claim.
How can that be right?


A: I am not a licensed claims adjuster and this is just my opinion. So I’m going to call bologna on Uhaul right from the start. Uhaul doesn’t want you to pursue this because of the faulty brakes, which are their responsibility to maintain.

Now, there are several items here that can affect this claim:

  1. Did you purchase insurance through Uhaul?
  2. What type of insurance did you purchase through Uhaul?

If you purchased physical damage coverage only, then no, there is no coverage for your vehicle under the Uhaul policy. That is something that would need to be filed under your own personal insurance to see if there was coverage.  You basically hit yourself, that has nothing to do with Uhaul…they are correct in that aspect. You can’t be liable to yourself.

Now, the good thing is that if you file under your own insurance policy, your adjuster may go after their commercial insurance coverage to get your deductible back through subrogation, due to faulty equipment that you had no duty to maintain. Uhaul is hoping you don’t do this.

If it was me, I would talk to my insurance agent for the best course of action after this car accident with a rental truck.

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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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