What Type of Insurance Should I Get for My Moving Truck Rental?

Every year, thousands of Californians hit the road with big dreams – and even bigger trucks. But did you know that from 2017 to 2021, fatalities resulting from truck accidents rose by 18% nationwide? California, with its bustling freeways and dense population, saw an average of 391 truck-related deaths per year during that same period. And those numbers don’t even include the countless injuries from non-fatal accidents.

Let’s face it, moving truck rentals are stressful enough without a fender bender in the mix. What many renters don’t realize is that their personal car insurance or even their credit card may not cover rental truck insurance. 

In this article, we’ll walk you through the types of coverage available, which ones are legally required, what optional policies might be worth the peace of mind, and how to make sure you’re financially protected if things take an unexpected turn.

Types of Insurance Offered by Rental Truck Companies 

When you’re renting a moving truck, it’s tempting to focus only on size, mileage, and how to squeeze that massive couch through the front door. But overlooking protection options can turn an already stressful move into a legal and financial nightmare. 

That’s where moving truck insurance comes in. Here’s a breakdown of the most common types of coverage offered by rental truck companies—and what they really mean for you.

1. Damage Waivers (Collision Damage Waiver or CDW)

Let’s say you misjudge the turn and clip a pole. Without coverage, you may be responsible for the repairs. A CDW, while not technically insurance, is a waiver that says the rental company won’t charge you for damage to the truck itself. It’s peace of mind if you back into something or scrape a wall.

But beware: If the damage happens while you’re under the influence or violating the rental agreement, the waiver likely won’t apply.

2. Supplemental Liability Insurance (SLI)

California’s state minimum liability coverage doesn’t go far when you’ve just rear-ended a luxury car. SLI helps fill the gap by providing additional liability coverage if you cause injury or property damage to others while driving the truck.

This protects you from potentially devastating third-party claims, especially in high-cost accidents that involve significant medical bills or lawsuits.

3. Cargo Protection

You’ve packed your entire life into the back of that truck—what happens if a fire breaks out or someone steals it? Cargo protection covers your belongings against theft, fire, and specific types of damage during transit.

It’s essential to note that many homeowners’ or renters’ insurance policies don’t cover your possessions once they’re in a moving truck, making this a critical safeguard.

4. Personal Accident and Medical Protection (PAM)

Accidents don’t just damage trucks—they hurt people. PAM covers medical expenses for you and your passengers, often including ambulance transport, hospital bills, and even accidental death benefits. It’s especially worth considering if your health insurance has high deductibles or limited emergency coverage.

5. Towing and Roadside Assistance Coverage

Picture this: You’re stuck on the side of I-5 with a dead battery or flat tire, and no way to tow that 10-foot beast. Roadside assistance is an optional upgrade that can save you from high out-of-pocket costs and hours of hassle. Without it, you’re left to arrange and pay for help on your own.

Do You Have to Get Insurance for a Rental Truck?

If you’re renting a truck in California, here’s the short answer: not always, but skipping coverage can cost you big time. 

While the law doesn’t require you to purchase every type of insurance a rental company offers, some states do require a minimum level of liability coverage when operating a rental vehicle. And many moving truck companies will require proof of coverage—or a signed waiver—if you decline their optional protection plans.

So before you drive off with that 16-footer, take a close look at what protection you already have. Some personal auto insurance policies extend limited coverage to rental trucks, but this isn’t a guarantee, especially for larger vehicles that exceed weight or class restrictions. Credit card perks? They might cover rental cars, but rarely include moving trucks. 

And while homeowners’ or renters’ insurance might cover theft or damage to your stuff, it often doesn’t apply once your belongings are in transit.

This is where assessing your needs becomes essential.

• Highly recommended for most renters:
  
  • Collision Damage Waiver (CDW): Covers damage to the truck itself—very helpful if you hit something or get into a minor scrape.
  • Supplemental Liability Insurance (SLI): Protects you from lawsuits and medical costs if you injure someone or damage their property.
• Situational coverage:
  
  • Cargo Protection: A smart choice if you’re moving high-value items or sentimental belongings not covered by other policies.
  • Personal Accident and Medical (PAM): Worth considering if you don’t have robust health insurance.
  • Roadside Assistance: Especially useful for long hauls or older vehicles where breakdown risk is higher.

Going completely uninsured? That’s a gamble we wouldn’t recommend. A single accident could result in thousands of dollars in repair costs, medical bills, or even legal trouble.And if you are ever involved in a crash, talking to a truck accident lawyer can make sense of your rights and responsibilities, especially when navigating insurance claims and liability.

What to Do If You’re in an Accident With a Rental Truck 

No one plans for an accident, but they happen, even on moving day. Whether you’re driving a rental or hit by one, knowing what to do in the moment can make all the difference. Here’s a step-by-step guide to help you stay safe and protect your rights. Along the way, we’ll also highlight key truck accidents facts and why having the right legal help matters.

1. Assess for injuries and call 911

Your safety, and that of others, comes first. Even if the crash seems minor, call 911 right away. Medical teams can treat any injuries, and police can document the incident. A formal police report is invaluable when filing claims or pursuing legal action later on.

2. Move to a safe area if possible

If your vehicle is still drivable, pull over to the shoulder or a nearby side street. If not, turn on your hazard lights and wait in a safe location. Avoid standing between vehicles or near traffic.

3. Exchange information

Collect the following from all involved drivers:

• Full names
• Phone numbers
• Driver’s license numbers
• License plate numbers
• Insurance details

If a rental truck is involved, be sure to record the moving truck company’s name and the truck’s unit number.

4. Take Photos and Document the Scene

Photos tell a story, facts alone can’t. Take clear pictures of vehicle damage, skid marks, road signs, and conditions. Snap the license plates and rental agreement—especially if you purchased a damage waiver.

5. File a police report

In California, a police report isn’t always legally required, but it’s always a good idea. It adds credibility to your insurance claim and helps your lawyer, if needed. Be sure to request a copy or report number.

6. Notify the rental truck company

Call the rental company’s emergency hotline as soon as possible. They’ll likely ask for an incident report and may require you to return the truck or have it towed to a specific location.

7. Call your insurance

Let your insurance provider—or credit card company—know what happened. Check if your policy covers rental trucks, and follow the claims process carefully.

8. Contact a personal injury lawyer

Rental truck accidents can get complicated, especially when corporate insurance, multiple vehicles, or injuries are involved. Not sure how to choose a lawyer? Look for someone experienced in California truck accident cases, like RMD Law. We can help you assess liability, deal with insurance companies, and secure the compensation rightfully yours.

Don’t Let a Moving Day Mishap Turn Into a Legal Nightmare

When it comes to moving truck rentals, selecting the right insurance isn’t just a box to check—it’s a crucial step in protecting yourself, your belongings, and your peace of mind. While serious accidents may be rare, they do happen, and being underinsured (or completely uninsured) can turn a simple fender bender into a financial and legal disaster.

Make smart choices, review your options, and know your rights. If you or a loved one has been injured in a truck crash, RMD Law is here to help. Contact us today or learn more about our truck accident lawyers in Irvine.