Renting truck, should I get their insurance?

[optoman]

I will be renting a 25' Penske truck and none of my credit cards or my car insurance will cover anything during the rental. Penske has a LDW:

Limited Damage Waiver (LDW)
LDW relieves you of your financial responsibility should any loss or damage occur to the truck or towing equipment, no matter who's at fault. If you decline the LDW and an accident occurs, you will be billed for the full amount of damage.

and PAI w/cargo insurance:

Personal Accident Insurance (PAI)
Personal Accident Insurance offers Accidental Death and Medical Expense coverage to Penske renters and their passengers. Personal Accident Insurance could save out-of-pocket expenses for the renter and passengers.

Cargo Insurance
Cargo Insurance allows renters to protect their furniture and possessions while renting a truck from Penske.

It's $54 for the LDW and $18 for the PAI w/cargo insurance. Is it a good idea to get either one of them? I will be driving about 600 miles.

 

[Dingleberries]

sho thing shortay!

 

[Mill]

Absolutely.

 

[Entity]

Yes; I would probably opt for both, but just because I've had issues w/rental trucks before.

Rob

 

[Angrymarshmello]

One time fee or per day extra? One time - hell yes, you'd be stupid not to if you're driving 600 miles.

 

[optoman]

Thanks guys. I wanted to make sure I wasn't getting screwed by getting their insurance.

 

[optoman]

Originally posted by: Angrymarshmello
One time fee or per day extra? One time - hell yes, you'd be stupid not to if you're driving 600 miles.

One time fee for the duration of the move, 4 days.

 

[tm37]

Get the insurance the go off roading in the truck

 

[iamwiz82]

you should check to see if your credit card already covers it

 

[godmare]

Originally posted by: Millennium
Absolutely.

Agreed.
I rented a Penske about a year ago to move and got all the insurance myself, on top of my regular motorists' insurance.
It covers everything cargo related, which is why I decided to get it, ultimately.
Suppose the truck had leaked as we drove through rain, for instance.

 

[cavemanmoron]

Originally posted by: Entity
Yes; I would probably opt for both, but just because I've had issues w/rental trucks before.

Rob

if over an hour drive,i would say Yes,
you said 600 miles or so to go,i say Heck Yeah,get the insurances,Both.

 

[FoBoT]

check with your car insurance agent/company, some of them will cover you

otherwise, yes, i would buy it, unless you are rich and can pay for a $20,000 truck on your own dime

 

[NeoPTLD]

It's a good idea. If the truck gets damaged, they might bill you not only for damage, but normal rental fee while the truck is out of service for repair.

I heard something like that from a guy who had his rented U-haul truck rear-ended.