Question from an IIABNY member: Does the rental vehicle coverage endorsement (PP 0346 0890) on an insured's personal auto policy extend when renting a moving truck such as a U-haul? Is there a size limit?
Answer: According to a 1994 Insurance Department advisory legal opinion, this coverage does not apply to a U-Haul. The attorney wrote:
In your letter, you specifically cite the Insurance Department Bulletin for April, 1991, in which an article appeared offering "Some Questions and Answers" about CDW coverage. One question concerned whether an individual, who has (Rental Vehicle Coverage) under his or her auto liability policy, would be covered for the rental of a U-Haul truck used to move belongings to a new apartment. You ask how a U-Haul truck is distinguished from a delivery sedan or panel truck. Simply stated, since the "standard" U-Haul moving truck is not a delivery sedan, panel truck or van, no RVC coverage would be available.
The department did not begin posting opinions to its Web site until 2000, so unfortunately this one is not online.
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