Does Amica Auto Insurance Cover U‑Haul Trucks?
Amica's personal auto policies generally extend liability coverage to vehicles you rent, including U‑Haul trucks, as long as the rental is for personal use and you are listed as a driver on the policy. The coverage typically mirrors the limits you have on your regular car, but it does not automatically include comprehensive or collision protection for the rental unless you add a specific endorsement or purchase the rental company's optional insurance.
More from this site
Keep reading the latest coverage
Key Coverage Elements to Review
Before you rent a U‑Haul, check these parts of your Amica policy:
- Liability limits – the maximum amount Amica will pay for bodily injury and property damage you cause while driving the rental.
- Collision and comprehensive – usually excluded for rentals unless you have a "rental reimbursement" or "physical damage" endorsement.
- Deductibles – the out‑of‑pocket amount you must pay before the insurer covers a claim.
- Geographic restrictions – some policies limit coverage to the U.S. or exclude certain states.
When Additional Coverage Is Needed
If your policy lacks collision or comprehensive protection for rentals, you have three practical options:
- Purchase the optional damage waiver offered by U‑Haul at the counter.
- Add a temporary rental‑damage endorsement through Amica, if available.
- Use a credit‑card benefit that provides rental‑vehicle collision coverage, confirming the card's terms before relying on it.
How to Verify Coverage
Follow these steps to confirm what Amica will cover for a U‑Haul rental:
- Log in to your Amica online account and locate the "Policy Details" section for your auto policy.
- Look for language about "rented vehicles" or "non‑owned vehicles."
- Call Amica's customer service line (the number on your insurance card) and ask specifically about liability, collision, and comprehensive coverage for a U‑Haul truck.
- Ask the representative to note any required endorsements or exclusions in writing, either via email or a policy endorsement document.
Comparing Coverage Options
| Source | Liability | Collision/Comprehensive | Cost to Add |
|---|---|---|---|
| Amica standard policy | Included up to your existing limits | Usually excluded | None (unless you add an endorsement) |
| U‑Haul damage waiver | Included in waiver fee | Included in waiver fee | Varies by truck size, typically $15‑$30/day |
| Credit‑card rental coverage | Often included | Often included | None, but must use the card for the rental |
Bottom Line
Amica will usually cover liability for a U‑Haul rental under your existing auto policy, but collision and comprehensive protection require either a separate endorsement, the rental company's damage waiver, or a credit‑card benefit. Verify the specifics in your policy documents or by speaking directly with an Amica representative before you sign the rental agreement.