It depends on the level of coverage you purchased when your shopped your insurance rate. If you selected the cheapest rate available, you may have no coverage at all for this situation. Do you have a commercial policy as a professional mover for a client or were you just moving your own stuff with a rented truck?
You should contact your insurance agent or the claims department of your insurer o determine if yo have coverage. Without knowing what kind of policy you have, we can not venture to say.
It's always a good idea to pick up the Rental companies insurance, especially if we tend to buy our own auto insurance on the cheap. It not only guarantees coverage for the rental transaction, it can also keep a claim off the books of your regular auto insurance in the event of an accident so your rates don't go up.
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