tunnel truck

Q
User Question

Is my car insured while it being shipped?

Do I have to provide insurance or is it insured by your company?



A
Answers


1

Maybe...Maybe Not. Read Below To See Info NONE Of The Other Companies Give!

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Many car shipping damages go UNPAID!  The most common question in the car shipping industry is, "is my car insured while it's being shipped?" and sadly, nearly every brokers website I have seen and every salesman I've talked to lies about this answer, whether they know it or not.  Most of the answers on this page are taken right off their companies FAQ page and the info is mis-leading at best, and in many cases, outright wrong.  I've been in this industry since 2002, both as a car transport trucking company and a broker, so I've experienced every side of it.  So here are the dirty secrets that no one else will tell you about.

  1. Brokers are not required to have any insurance.  The FMCSA only requires trucking companies to carry liability insurance (this is the $750k-$1M "coverage" that many brokers like to advertise).  The FMCSA does not require truckers to carry cargo insurance, although it is extremely rare that one would not.  This is the coverage that protects your car.  Most cargo policies range between $100k for small trailers up to $500k for enclosed carriers.  By law, brokers have no responsibility for your vehicle which means very few volunteer to offer that.  The trucker they hire will have full responsibility for the damage.
  2. The brokers BOND does not do anything for the customer.  Many brokers mislead their customers by insinuating that their bond and insurance are the same thing.  The bond in only their to protect the truck drivers from getting paid by the broker.  It has NOTHING to do with physical damage to your car.
  3. The broker NEVER has access to a truckers actual policy.  The only thing the broker can verify is the existance of the policy and the limits.  They can not verify the quality of the policy or what exemptions are their.  I've seen policies exempt damage cause by the neglegence of the driver, or not cover damage caused by the truck.  Most damages are caused by one of these two things.  So, for example, if a chain comes off a car on the top deck and dents and scratches the windshield and roof of the car below, it's not covered under some policies.  If the driver fails to secure the ramps and the fall off the truck while loading the car, that can be considered negligence and not covered.  The point here is that there are tens of thousands of truck drivers who get the cheapest, lowest cost policy in order to save money and the broker without his own cargo insurance is blindly trusting your car to a truckers insurance without any verification of the quality of the policy.
  4. Your car is NOT fully covered against anything that may happen.  Even on this page, I see most companies outright lie by saying "your car is fully covered against anything that may happen" in various forms.  Some even go so far as to say "with no cost to you".  Basically they are saying any and all claims are paid, no questions asked.  Look at their Terms and Conditions.  I gaurantee you will find some language that refutes this.  There are lots of things that aren't covered by truckers insuranance such as:  rock chips, weather related damage, terrosim, mechanical breakdowns, loose parts on the car, and damage that the driver or truck did not cause.
  5. Most transport damages are less than $2000 in repair cost, but trucking cargo deductibles START at $2,500 and go as high as $5,000.  Trucking insurance is a lot different than auto insurance.  The biggest difference is the policy holder (the truck driver) is responsible for paying the vehicle owner directly for any damages up to the deductible amount.  That means if you have a $2,000 damage and the truckers deductible is $2,500, you CAN NOT file an insurance claim.  Furthermore, you have to trust that the trucker will admit and accept that he damaged your car and then voluntarily pay you for that damage.  As a 20 year veteren of the car shipping industry, I can assure you that you would have a higher probability of finding a unicorn pooping gold nuggets.  And because the broker does not have any cargo insurance, the customer is often left holding the bag on the damage and turning it into their own insurance company, which is subject to your own deductible.
  6. Less than 3% of broker have a cargo policy in their name that protects their customers cars!  Mr. Car Shipper is in a very small class of brokers that have a Contingent Cargo policy.  This policy is a "backup" policy to the truck drivers we hire.  It is a much broader policy that covers many areas that the truckers policy either doesn't cover or partially covers.  What this means for you is if we hire a truck driver who is under-insured or if his insurance denies a claim, we have an additional layer of protection between the truck driver and you.  Keep in mind that the drivers policy is always primary and all claims must start there.  This is the law.  But the few brokers that have Contingent Cargo policies offer their customers a much greater peace of mind.

I could take up a lot more space talking about this area, but by this point you get the picture.  Over 97% of car shipping brokers DO NOT have ANY insurance that offers you any protection.  Nearly all advertise that they are fully "licenseced, insured, and bonded" but this is nothing but marketing, and false marketing at that.  They are not insured...their drivers are.  Be careful and do not take them at their word, because frankly, most car shipping sales people are completely ignorant in this area.  Make sure the company you hire has a Contingent Cargo policy with their name on it.




Submitted by on


0

YES

By law it most be insure, if is open trailer is up to $250.000.00 if its enclose it up to $1.000.000.00  



0

Maybe...Maybe Not. Read Below To See The Dirty Secrets No One Will Tell You!

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This is the most common question we get at Mr. Car Shipper and sadly, nearly every brokers website I have seen and every salesman I've talked to lie about this answer, whether they know it or not.  The Truth:  Many car shipping damages go UNPAID!   Most of the answers on this page are taken right off their companies FAQ page and the info is mis-leading at best, and in many cases, outright wrong. I've been in this industry since 2002, both as a car transport trucking company and a broker, so I've experienced every side of of many damage claims. So here are the dirty secrets that no one else will tell you about.

  1. Brokers are not required to have any insurance. The FMCSA only requires trucking companies to carry liability insurance (this is the $750k-$1M "coverage" that many brokers like to advertise). The FMCSA does not require truckers to carry cargo insurance, although it is extremely rare that one would not. This is the coverage that protects your car. Most cargo policies range between $100k for small trailers up to $500k for enclosed carriers. By law, brokers have no responsibility for your vehicle which means very few volunteer to offer that. The trucker they hire will have full responsibility for the damage.
  2. The brokers BOND does not do anything for the customer. Many brokers mis-lead their customers by insinuating that Bonded and Insured are the same thing. On this page where the question is, “Is my car insured while it’s being shipped”, a broker says  “Fully bonded in case of any issues”.  This is an extremely mis-leading and ignorant statement.  The broker bond offers ZERO protection to the customer and to your car.  That bond is for the protection of the truck drivers from non-payment of the broker.  That’s it.  To insinuate that the bond  is the same thing as insurance is irresponsible and reckless.
  3. The broker NEVER has access to a truckers actual policy. The only thing the broker can verify is the existence of the policy and the limits. They can not verify the quality of the policy or what exemptions are their. I've seen policies exempt damage cause by the negligence of the driver, or not cover damage caused by the truck. Most damages are caused by one of these two things. So, for example, if a chain comes off a car on the top deck and dents and scratches the windshield and roof of the car below it, it's not covered under some policies. If the driver fails to secure the ramps and the car falls off the truck while it is being loaded, that can be considered negligence and not covered. The point here is that there are tens of thousands of truck drivers who get the cheapest, lowest cost policy in order to save money and the broker is blindly trusting your car to a truckers insurance without any verification of the quality of the policy.
  4. Your car is NOT fully covered against anything that may happen. Even on this page, I see most companies outright lie by saying "your car is fully covered against anything that may happen" in various forms. Some even go so far as to say "with no cost to you". Basically they are saying any and all claims are paid, no questions asked. Look at their Terms and Conditions. I guarantee you will find some language that refutes this. There are lots of things that aren't covered by truckers insurance such as: rock chips, weather related damage, terrorism, mechanical breakdowns, loose parts on the car, and damage that the driver or truck did not cause.
  5. Most transport damages are less than $2000 in repair cost, but trucking cargo deductibles START at $2,500 and go as high as $5,000. Trucking insurance is a lot different than auto insurance. The biggest difference is the policy holder (the truck driver) is responsible for paying the vehicle owner directly for any damages up to the deductible amount. That means if you have a $2,000 damage and the truckers deductible is $2,500, you CAN NOT file an insurance claim. Furthermore, you have to trust that the trucker will admit and accept that he damaged your car and then voluntarily pay you for that damage. As a 20 year veteran of the car shipping industry, I can assure you that you would have a higher probability of finding a unicorn pooping gold nuggets. And because the broker does not have any cargo insurance, the customer is often left holding the bag on the damage and turning it into their own insurance company, which is subject to your own deductible.
  6. Less than 3% of broker have a cargo policy in their name that protects their customers cars! Mr. Car Shipper is in a very small class of brokers that have a Contingent Cargo policy. This policy is a "backup" policy to the truck drivers we hire. It is a much broader policy that covers many areas that the truckers policy either doesn't cover or partially covers. What this means for you is if we hire a truck driver who is under-insured or if his insurance denies a claim, we have an additional layer of protection between the truck driver and you. Keep in mind that the drivers policy is always primary and all claims must start there. This is the law. But the few brokers that have Contingent Cargo policies offer their customers a much greater peace of mind.

I could take up a lot more space talking about this area, but by this point you get the picture. Over 97% of car shipping brokers DO NOT have ANY insurance that offers you any protection. Nearly all advertise that they are fully "licensed, insured, and bonded" but this is nothing but marketing, and false marketing at that. They are not insured...their drivers are. Be careful and do not take them at their word, because frankly, most car shipping sales people are completely ignorant in this area. Make sure the broker  you hire has a Contingent Cargo policy with their name on it.


Submitted by on


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Insurance Information - Auto Shipping Insurance Requirements

Understand Minimum Auto Shipping Insurance Requirements

Legally authorized auto transporters are required to have liability insurance. You should make sure your transporter also offers cargo insurance. This means that your auto transporter, if properly insured, should cover any damage caused during the automobile shipping process after you pay the insurance deductible. The terms and amount of coverage can vary depending on the company, so it is best to carefully inspect your transporter’s coverage.

Be sure to ask a potential automobile shipping company for a copy their insurance certificate. They are legally required to provide this to you, and you should feel free to verify the information on the certificate with the insurance company or with the Department of Transportation at www.safersys.org.

Is The Minimum Enough?

Make sure that you are completely comfortable with the amount of coverage you have. While the amount of insurance required by law will offer you some protection, you may find that the minimum coverage offered by vehicle transport companies falls short of the true value of your car. Take responsibility for finding out the exact terms of your transporter’s insurance policy. Some questions you may want to ask about insurance include:

What type of damage is covered?

Are only specific parts of the car, like the body, covered?

Is there a deductible?

What is the limit of their coverage? (Most companies only cover the Kelley Blue Book value of the car)

Will specialty items such as spoilers or ground effects be covered?

Is there an option to purchase additional coverage?

How much will the deductible be for damage claims?

Check with your own auto insurance agent to see how much your personal insurance will cover when shipping a car. Your coverage may or may not cover your vehicle in transit. Regardless, it’s always a good idea to notify your insurance company that you are transporting your vehicle.

Vehicles transported through uShip are eligible for additional coverage through uShip Cargo Insurance. When accepting a bid, you have the option to purchase additional coverage. This policy is all-risk covering approved goods against damage, lost or stolen claims subject to the terms and exclusions of the policy.

If You Need to Make a Claim

Inspect your car thoroughly at delivery. According to Dean Xeros, an industry expert and the VP of Sales, GM – Motors & Relocation at uShip, this time is critical because it is your only window of opportunity to asses for damage. If you cannot be present at the delivery, assign the task of assessing for damage to a trusted representative. In the unlikely event that your car was delivered with damages from shipping, make specific notes on the “Bill of Lading” at delivery and have the driver sign the form before accepting the car. Taking pictures is always a good idea when documenting damages. If the car is delivered at night, inspect the car under bright lights and bring along a flashlight.

In all likelihood, your car will be delivered in the same condition it was dropped off. If there are damages, contact your shipping and insurance companies immediately. You should have no problems if you have carefully inspected your transporter’s insurance policy. A respectable shipping company will want to resolve your complaint as quickly as possible. If you feel like you are being treated unfairly, you can file a complaint with the Better Business Bureau and any professional organizations the company belongs to. Remember, this is an unlikely scenario. If you take some time to research your auto shipping company and properly prepare your car for transport, you are almost guaranteed a painless shipping experience.



0

Your vehicle is fully insured from pick up to droop off.

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Choosing the right transporting company is very important due to insurance purposes and many more.

A Reliable transport company will make sure that the driver that is hired for your shipment has the proper insurance binding making sure that your vehicle is insured according to the dot regulations. The minimum liability insurance that any carrier should carry is a million dollars worth of public liability. Cargo insurance could be different depending on the type of trailer hauling your vehicle(s). If your vehicle is being hauled on a 1-3 car hauler, the minimum insurance for all three vehicles being carried is $150,000. If your vehicle is carried on a 4-8 open car carrier, the minimum cargo insurance is $250,000, for any car carrier that transports 8-10 vehicles at a time, the minimum insurance is $350,000. If your vehicle is worth over $50,000, we always recommend enclosed transport. Gooing via enclosed transport will ensure you a higher cargo insurance, typically starting at half a million dollars. It is very important for the client to ask questions about the drivers insurance prior booking the driver. It is also very important that if a mechanical damage occurs while in transit, the insurance company will most likely deny any claims. Insurance is there for any physical damages that occur due to the drivers negligence.



0

Yes, of course...

Yes! Your vehicle will be fully insured. Our drivers carry insurance of up to 1 million dollars.



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uShip offers extra peace of mind through the uShip Cargo Insurance program.
Submission Info:


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Yes

Carriers are required by law to carry enough insurance for the entire load. Not just your vehicle, but every vehicle that's being transported. Most policies are between $250,000.00 to $1,000,000.00. Once your vehicle is dispatched, copies of the insurance are provided. 

Submission Info:


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Read your contract Terms and Condition Policy on Insurance coverage, not all are the same!

Always check the Terms and Condition with the Broker you've narrowed your search down to:

There are different variations of coverages offered, we recommand to have your contract read: "vehicles are fully insured from pickup to drop-off by the Carrier’s cargo insurance, with a ZERO DEDUCTIBLE for you as the vehicle owner. Reputable Brokers will ensure the Carrier has the full amount of appropriate coverage for your vehicle, as part of our service to you. The only limitation on insurance relates to “Acts of God” -- such as hail, tornado or earthquake, in which case coverage would revert to the owner’s vehicle insurance.

Submission Info:


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Insurance during transport

Your vehicle is covered under the carriers insurance while being transported.

Submission Info:


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carrier's cargo insurance

Your car, but not its contents, are fully insured during the transportaion process. The one thing we do, which a lot of other brokers don't, is that we verify what other vehciles are on their trailer. In the rare case that a truck/trailer roll over and damage every vehicle on their trailer, they should have enough cargo insurance to cover every vehicle.



0

Insurance

Definitely! A decent broker will make sure that your car is insured during transportation. The insurance is provided by the carrier`s company and if you need it just ask for the insurance before the pickup to be on the safe side!

How does it work?

If it is deductible.

For example:

A car insurance deductible is the amount of money you have to pay toward repairs before your insurance covers the rest.. For example, if you're in an accident that causes $3,000 worth of damage to your car and your deductible is $500, you will only have to pay $500 toward the repair.

If it is non-deductible.

A car insurance non-deductible means you selected coverage options that don't require you to pay any amount up front toward a covered claim. For example, say you opted for collision coverage with no deductible. If you have a covered claim for $1,500 in repairs, your insurer would reimburse you the full $1,500. On the other hand, if you had collision coverage with a $500 deductible, your insurer would reimburse you for $1,000 (covered repairs minus your deductible).



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Insured on the truck

Vehicles are insured while they are on the truck.

When it's on the ground it's the owners responsibility



0

Yes



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Car shipping insurance with expedited shipping services

The carriers we use generally all have a quarter of a million dollar insurance policy for cargo



0

Yes!

Your vehicle is fully insured from the time of pickup to the time of delivery. Depending on the type of trailer, the company & vehicle cost is how much your vehicle will be insured up to. Most companies do offer extended coverages as addons. It is also a good idea to upgrade your insurance policy for theft & damage before the shipment. Just to be cautious.



0

YES it is insured from the moment it gets picked up all the way to when it gets delivered. We work with premium drivers and always verify the drivers license and insurance to make sure it completely covers the load and that it is up to date. 



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Your Vehicle is Fully Insured While Being Shipped

Part of what you pay us for is to verify that the carrier we put you on is covered by the requisite amount of insurance and that it is up to date. There is never any additional cost to the customer for this coverage, and their insurance is primary.

Submission Info:


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Your car is always insured while in transport.  We ask that you check your vehicle over carefully at delivery and to call us BEFORE paying or signing the Bill of Lading if there are any issues.



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Damage Free Protection

Door to Door Car shipping offers Full Coverage Insurance Protection. Your vehicle is fully covered from unforeseen damages and accidents while in our care. At no additional cost!

Our network of drivers are highly trained professionals who understand the value and importance of getting your vehicle to its destination:   Fast, Safe and Damage Free.



0

Insurance Coverage

Any carrier that is dispatched by Goliath Auto Transport, LLC will hold an active and unexpired insurance policy for both cargo & liability.  DOT Minimums must be met.  Insurance doc's can be provided to customer upon request.



0

Yes

As a Broker, we ensure the carrier has insurance before we assign a carrier to ship your car.  

Also as a Transport Broker, we are also required to have our own insurance.

So you are fully covered.

We only use carriers to transport your vehicle with whom have an extremely high rating based on previoous shipments.



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Auto Transport Insurance

Cargo coverage is provided by the carrier, please make sure if you are working with a broker, that they verify insurance before contracting with a carrier on your behalf.  You will also need to have insurance coverage in place for the vehicle prior to being transported. Any loss due to theft or damage that occurs due to an “act of God” would fall under your policy. The carrier’s policy is in force only in situations where damage is the direct result of the driver’s negligence.



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Fully bonded in case of any issues

Fully bonded in case of any issue, big or small we’ve got you covered.

At Garcia’s, we understand the value of the property. Whether yours is a brand new model, a collector’s edition or your trusty old favorite, we will always recommend the best choice to ship your load. From $150,000 on open car carriers to a $1,000,000 on an exclusive enclosed carrier, chances are, you most certainly will not need it, either way, we’ve got you covered.



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Bumper to Bumper

The company transporting your vehicle will provide you with insurance. This insurance covers all damages caused by accidents while the vehicle is being loaded, major changes in the vehicle’s condition, and unforeseeable damage that is a result of mishandling by the carrier.



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Fully Insured Vehicle Transport

All shipments include basic liabilty coverage during transit. Comprehensive insurance options are available for an elevated level of shipment coverage during transit. You will be able to select a level of coverage during the booking process. 



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Insurance

Yes, your vehicle is insured up to $100,000 with $1,000,000 of liability coverage. We do suggest keeping your current insurance active in the event of an Act of God or natural disaster. 


More Answers

0

YES!! Every carrier is licensed, bonded and insured!