For most of us, our vehicles are second only to our home as our most expensive commodity and like our homes; we insure our vehicles against accidents, thefts and all other types of possible damages. But, what many people don’t understand is that when they load their cars onto an auto transport carrier for shipping to another loaction, many policies may or may not provide the protection they’re expecting.
To make matters more confusing, some auto shipping companies include a waiver in their contract exempting them of any responsibility for potential damage that may occur while in their possession. Therefore, it’s always smart to double check the car shipping company’s policy prior to agreeing to the contract. Here are a few things you should know about auto transportation so your car can get where it needs to go without unexpected hassles and costs.
Request proof of insurance from the car shipping company
It’s a law enforced by the FMCSA, that auto transport companies carry a valid insurance policy and they should be able to provide when asked to do so. You should also ask questions related to their policy at this time. Find out if they cover any damage that occurs during the car shipping process, if the entire car is covered or just certain parts or if you will be required to pay a deductible if damage occurs.
Make sure to get everything in writing
Before you agree to the terms of an auto transport service, get any special agreements or considerations in writing. This will protect you in the event that something unexpected happens, especially if they are providing you with a service or agreeing to something that’s not indicated in their regular contract.
Double check with your own car insurance company
Depending on your policy, your own auto insurance company may cover your vehicle while it is in transport, but don’t assume this is so; you have to check to make sure. Ask whether or not your same coverage applies while the vehicle is being shipped and whether or not you have to supply the insurance company with any form of notification from the car shipping company.
Remove all loose items within your vehicle
Most car shippers will not cover damage to a vehicle’s interior, so to reduce the risk of this happening, remove all of the loose items from your vehicle before handing over the keys. This includes all removable electronics, extra change, CDs or cassettes and anything else that could possibly become airborne. By removing your loose items, you will also reduce the risk of a break-in theft, which is also not covered by most car shipping companies.
Assist the driver with the vehicle inspection at pickup and delivery
Before the auto transport company takes possession of the vehicle, they will perform a thorough inspection of it to make note of any existing damage. If possible, you should be on hand when the inspector performs this inspection. It is also a good idea to take photographs of the vehicle to record its condition prior to the shipping company taking possession of it.
What is the Bill of Lading?
Once the vehicle is delivered, the owner will have to fill out the Bill of Lading, which is essentially a condition report that details the vehicle’s condition upon arrival. Be sure to check the vehicle thoroughly, including underneath the vehicle. It is also smart to start the engine to check for any signs of mechanical damage. If the vehicle is delivered at night, check it under bright lights so you can see as much as possible because once you sign off on the Bill of Lading, the transfer is complete and if you missed something, the auto transport company won’t be liable. If you find signs of damage, include it on the Bill of Lading and have the driver sign off on it. Afterward, contact the shipping company directly to inquire about reimbursement.
They should be able to direct you in filing a claim with the car carriers insurance provider.
Learn More About Fully Insured Auto Transport Services.
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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.
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.
Yes! Your vehicle will be fully insured. Our drivers carry insurance of up to 1 million dollars.
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.
Your vehicle is covered under the carriers insurance while being transported.
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.
Vehicles are insured while they are on the truck.
When it's on the ground it's the owners responsibility
The carriers we use generally all have a quarter of a million dollar insurance policy for cargo
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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.
Your vehicle is absolutely covered. From pickup to delivery, the vehicle is covered, not only by our carriers' cargo insurance, but our own as well. This covers a minimum of $100,000 in the event of damage or loss. Don't forget, this policy does NOT cover items inside of your vehicle.
The insurance will be provided by the carriers which is between $100.000 up to $250.000
When transporting your vehicle with FrancisGO Auto Transports all vehicles are insured and bonded.Car transport companies include insurance coverage in your shipping quote. Our selected auto haulers must meet insurance standards before qualifying to be part of our carrier network.
Yes, vehicle is insured from the moment it gets picked up to when it gets to the destination. Call us today at 888-307-0303 Visit us at https://www.freight4all.us/car-shipping
easyautoship.com works very hard to ensure any drivers we use are fully insured with CARGO insurance. we also include and additional contingency cargo policy directly through easyautoship.com for a $100k
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.
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).
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.