Should I Get a U-Haul Collision Damage Waiver?

Moving can be an exciting but stressful endeavor, and renting a U-Haul truck is a common choice for transporting your belongings. As you plan your move, one question often arises: should you get the U-Haul Collision Damage Waiver (CDW)? In this article, we’ll explore what the CDW entails, factors to consider, and whether it’s a wise investment for your upcoming move.


Renting a U-Haul truck is a practical choice for individuals and families looking to move their belongings. However, navigating the various insurance options, including the U-Haul Collision Damage Waiver (CDW), can be confusing. This article aims to provide clarity on whether you should opt for the CDW during your U-Haul rental.

Understanding the U-Haul Collision Damage Waiver (CDW)

The U-Haul CDW is an optional insurance product offered to renters. It provides coverage for damage to the rental truck, including collision damage. While it’s not mandatory, many renters choose to purchase the CDW for added protection and peace of mind during their move.

Benefits of the U-Haul CDW

3.1 Financial Protection

One of the primary benefits of the CDW is financial protection. In the event of an accident or damage to the rental truck, the CDW can help cover repair or replacement costs, potentially saving you from significant expenses.

3.2 Peace of Mind

Renting a U-Haul truck can be stressful, especially if you’re not accustomed to driving a larger vehicle. The CDW can provide peace of mind, knowing that you have a safety net in case of unforeseen accidents.

Factors to Consider

4.1 Your Auto Insurance

Before deciding on the CDW, review your personal auto insurance policy. Some auto insurance policies may extend coverage to rental trucks. Understanding your existing coverage can help you make an informed choice.

4.2 Rental Truck Size

The size of the U-Haul rental truck you choose can impact the potential risks. Larger trucks may be more challenging to maneuver and pose higher risks in case of accidents.

4.3 Moving Distance

Consider the distance of your move. Long-distance moves may involve more time on the road and increased exposure to potential accidents.

Is the CDW Worth It?

The decision to purchase the CDW depends on various factors, including your comfort level with risk, your existing insurance coverage, and your budget. While the CDW provides valuable protection, it comes at an additional cost.

How to Obtain the CDW

You can purchase the CDW directly from U-Haul when you rent a truck. The cost varies depending on the rental location, truck size, and other factors. Be sure to inquire about the CDW’s cost and details during the rental process.

What to Do in Case of an Accident

In the unfortunate event of an accident while operating a U-Haul truck, follow these steps:

  1. Ensure the safety of all parties involved.
  2. Call the police to report the accident.
  3. Exchange information with the other party involved.
  4. Contact U-Haul’s claims department to report the accident and initiate the claims process.


The decision to get the U-Haul Collision Damage Waiver ultimately depends on your unique circumstances and preferences. While the CDW offers valuable coverage and peace of mind, it’s essential to consider your existing insurance, the size of the rental truck, and the distance of your move.

Before renting a U-Haul truck, carefully evaluate your insurance needs to ensure a smooth and secure moving experience.


9.1 What does the U-Haul Collision Damage Waiver cover?

The U-Haul CDW covers damage to the rental truck, including collision damage. It can help pay for repair or replacement costs in case of accidents.

9.2 How much does the CDW cost?

The cost of the CDW varies depending on factors such as the rental location, truck size, and rental duration. It’s advisable to inquire about the specific cost during the rental process.

9.3 Does my personal auto insurance cover U-Haul rentals?

Some personal auto insurance policies may provide limited coverage for rental trucks. Review your policy to understand the extent of coverage.

9.4 Can I decline the CDW if I have my coverage?

You can decline the CDW if you have your coverage or feel adequately protected. However, carefully assess your insurance needs before making this decision.

9.5 Is the CDW mandatory when renting a U-Haul truck?

The CDW is not mandatory when renting a U-Haul truck, but it is strongly recommended for added protection and peace of mind during your move.

Read More:

More Related:

Understanding Progressive’s Policy on Adding Drivers Without Permission

USAA Progressive Motorcycle Insurance Login Guide

How to Tell if Video is Interlaced or Progressive

Is Progressive Direct Cheaper Than Through an Agent?

Is it Cheaper to Buy Car Insurance Online or Through an Agent?

Does Progressive Cover U-Haul?

Does U-Haul Insurance Cover Damage to Other Vehicles?