Q. We just had a client call asking about rental coverage for U-Haul Truck they will be renting to move their household goods. They currently have an ISO Personal Auto policy. What coverage do they have, if any?
A. A non-owned vehicle in the physical damage section of the ISO PAP is defined as a private passenger auto, pickup, van or trailer. A U-Haul truck would not fit the definition so the policy would not provide physical damage to the truck but would still provide third party liability.
In regard to liability, the named insured and any family member are covered while using any auto. Since the word “auto” is undefined in the PAP, coverage applies when renting any type or size of vehicle for personal use, even a large truck. See the InfoCentral Coverage Issues report in regard to rented vehicles.