Moving Truck Insurance – Do You Know If You Are Covered?by Nancy Why the need for a moving truck insurance when relocating? A marriage, a new job in a new town, almost any major life change can make it necessary for a family move their treasured belongings across town, across the state or even the country. Moving day can be exciting, frustrating or even nerve wracking but with proper planning a family’s move can go much more smoother.
A moving truck is one of those vital pieces to the puzzle that make moving day a lot less physically and emotionally demanding. Planning ahead will keep the frazzle down on moving day and make sure important details won’t be forgotten. However one of the more often forgotten details is that of the moving truck insurance to safeguard against accidents. Some families renting a truck erroneously assume that their auto insurance will cover a moving truck and any liabilities an accident might incur. The fact is that although a few policies might cover a commercial vehicle like a moving truck, many do not. Furthermore if the move is out of state, the few private auto policies which will cover moving truck insurances as part of the regular auto insurance may not cover an out of state move. Other individuals assume that because they have a credit card with buyer protection and other perks, their credit card may extend protection to the moving truck. However, most credit cards no matter how exclusive will not cover moving truck insurance as one of their benefits. On the other hand, pre-planning the move and all the details no matter how seemingly minor will have the wise family moving their home, fully aware and protected before that big day arrives. That means that if the renter of the moving truck believes their auto insurance might cover moving truck insurance, they should call the insurance company to check before the day of the move arrives. If like most insurers the auto insurance doesn’t cover moving truck insurance and a call to the credit card company reveals they will not either (and most won’t) there are still more options to check out. The moving truck rental company will offer moving truck insurance to cover almost any family’s needs. This makes it somewhat easier on the family moving because although moving truck insurance might seem like an annoying detail, it is not. If someone damages the moving truck or you have an accident, the truck insurance will have you covered. Before signing a moving truck rental contract it is important to go over each charge listed. There can be charges for equipment, charges for mileage and if you choose moving truck insurance through the moving truck rental company there will be a insurance charge usually on a daily basis. Do not assume anything, ask what is covered, and ask what exclusions might apply to this insurance. Again, the key to a smooth move is in the details and understanding of what is covered and what might be excluded. Leave nothing to chance and moving day can be an adventure (more or less) instead of a hair-raising experience. Moving Truck Insurance Related Articles Moving Tips - Read this house moving tips article for valuable tips on how you can make the moving process simpler and avoid expensive mistakes. Cheap Moving Boxes - Cheap moving boxes are essential whenever moving location, such as town, city or even state, and you can save money when getting them cheap instead of buying them new. Moving Truck Companies - If for any reason or another you can't handle the move all by yourself with hiring truck rentals for moving, you need to look for hiring full moving truck companies who take care of everything related to the move, or at least of various aspects of it. Some of the biggest moving truck companies that you might come across are U-haul, U-pack and Ryder. Moving Company Quotes - Receiving accurate moving company quotes can be a challenge at times and the main reason is because moving is quite expensive. It's quite important to know how much you will be spending on the move and you have to realize that most of it will go to the moving company. Packing Boxes For Moving - Packing boxes for moving are essential whenever moving location, such as town, city or even state, however many people leave this worry until the very end, when the urgency of it is hitting them in the face. As a matter of fact, packing boxes should be one of the first things to take care of before starting with packing. Saving Money On Your Move - There are ways to save money on your move whether it is across town or across the country and listed are just 5 easy ways to keep more of your money.
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Moving Tips
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If your chosen moving truck company seems to be way too cheap, research the
company more carefully: more often than not, the unusual low price indicates a
desperate mover company |
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Plan your move well in advance. This way you will have plenty of time for packing and transporting |
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Avoid moving during weekends and peak times. By moving during the work week
and in off-season periods, you can save as much as half of the fees and you can find an
available suitable moving truck much easier |
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