Sunrise FL, 33322
Do I have to provide insurance or is it insured by your company?
For many of us, our vehicles are second only to our homes as our most valuable assets. Just as we protect our homes with insurance, we also insure our cars against accidents, theft, and other potential damages. But what some vehicle owners don’t realize is that once their car is loaded onto an auto transport carrier, the coverage they expect may not always apply.
To complicate matters further, some auto shipping companies include waivers in their contracts that limit or exempt them from responsibility for certain types of damage. That’s why it’s essential to understand exactly what insurance coverage applies before you hand over your keys. Here’s what you need to know to protect yourself and your vehicle during the auto transport process.
By law, enforced by the Federal Motor Carrier Safety Administration (FMCSA), all auto transport companies must carry valid insurance coverage. Reputable carriers should provide proof upon request. When reviewing their policy, ask:
Does the coverage apply to the entire car or only certain parts (such as exterior damage)?
Are you responsible for paying a deductible if damage occurs?
What is the process for filing a claim if something happens during transport?
If the company offers you any special agreements, promises, or additional services outside of their standard contract, make sure they’re put in writing. This written confirmation will help protect you in case of disputes or unexpected issues later on.
In some cases, your personal auto insurance policy may extend coverage while your vehicle is in transport. However, don’t assume this—contact your insurer directly to confirm. Ask whether your existing coverage applies during shipping and if any documentation from the transport company is required.
Most auto transport companies do not cover the interior of your vehicle. That means any loose or removable items—such as electronics, coins, documents, or personal belongings—are your responsibility. Removing these items not only reduces the risk of damage but also helps prevent theft, which is typically not covered under carrier insurance coverage.
Before the carrier takes possession of your car, the driver will perform a vehicle inspection to note any pre-existing damage. If possible, be present for this process and take your own photos of the car’s condition. This documentation can be critical if you need to file a claim later.
When your vehicle is delivered, you’ll be required to complete the Bill of Lading—a document that serves as both a receipt and a final condition report. Carefully inspect your vehicle before signing, checking not only the exterior but also underneath and under the hood. If the delivery occurs at night, use bright lighting to ensure nothing is overlooked.
If you spot any new damage, make sure it is clearly noted on the Bill of Lading and signed by the driver. Then contact the shipping company immediately to begin the claims process. They will provide instructions for filing with the carrier’s insurance provider.
It’s ultimately the customer’s responsibility to confirm insurance coverage before the vehicle is picked up. By asking questions, reviewing documents carefully, and participating in inspections, you can ensure that your auto transport process is secure and that your vehicle is properly protected in case of damage during shipment.
Learn more about Auto Transport Insurance Coverage:
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