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Since I have auto insurance, I am covered while renting a Uhaul truck (not a trailer)
Not necessarily. You need to check with your carrier, but typically, insurance follows the vehicle, not the driver.
If I have insurance, I am covered to drive someone else’s car
No. Your auto insurance will cover you if you are driving a ‘replacement vehicle’ (private passenger vehicle) Anything other than that, you need to purchase the coverage the rental company offers you.