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Typically, your personal car insurance policy does not extend coverage to the U-Haul trailer and contents. However, if you have full coverage and you are transporting your car, you may have coverage on the car itself.
If you rent a truck (this applies to commercial vehicles as well), there's a good chance the coverage did not extend to the U-Haul. Purchasing any coverage they offer may not be a bad idea.
Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
It may or may not depending on the company that insures you. Talk to your Insurance Professional about the terms and conditions of your coverage to be sure. In many cases, liability and physical damage coverage (Comprehensive and Collision) will extend over onto another private passanger vehicle that you are using while it temporarily replaces your own. This extension, however, does not generally apply to commercial vehicles like Uhauls and the like.
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If you rent a truck (this applies to commercial vehicles as well), there's a good chance the coverage did not extend to the U-Haul. Purchasing any coverage they offer may not be a bad idea.