Yes, insurance is generally included in your auto shipping cost.
However, the extent of coverage may vary depending on the auto transport company and the specific policy in place.
Whether car shipping insurance is included in your overall cost depends on the auto shipping company you choose. Some companies roll it into their package, while others offer it as an add-on.
Understanding the basics of car shipping insurance
When you’re shipping your prized automobile across the state or even across the country, you’re not just sending a piece of metal on four wheels.
You’re entrusting a valuable asset to a car shipping company, and you want to ensure it’s well-protected.
That’s where auto shipping insurance comes into play.
Typically, your car shipping cost includes basic auto insurance cover that protects against damage and loss during transit.
But is this insurance enough? Let’s delve deeper.
How much is the car shipping coverage?
According to the Department of Transportation, each car carrier is required to have liability insurance and cargo insurance. Potential damages to your vehicle are covered by cargo insurance.
The amount of cargo insurance varies depending on the capacity of the trailer. The total amount must cover all vehicles loaded on the trailer.
- 2 – 3 car hauler – 100K – 250K
- 4 – 6 car hauler – 200K – 250K
- 6 – 9 car hauler – 250K+
- 2 – 3 car hauler – 100K – 150K
- 4 – 6 car hauler – 250K- 500K
- 6 – 8 car hauler – 500K+
Why would I need additional car shipping insurance?
The answer lies in the value of your vehicle and your own comfort level with risk.
High-end or antique cars may require more comprehensive coverage, which will naturally affect your overall car shipping insurance costs.
Tips for safe auto transport.
Request proof of insurance.
А reputable auto transport company will be more than happy to answer any questions you may have about their car shipping coverage. Brokers must always have a copy of the insurance policy of the carrier company they assign to transport your vehicle. Not being willing to provide it is a red flag.
Remove all personal items from your car.
Generally, auto transport insurance provided by the carrier will not cover any damage to your vehicle’s interior. Therefore, remove all personal and loose items from your car before shipping.
Perform an inspection.
When the driver arrives to load your vehicle, the condition of your car must be documented and existing damage noted. Therefore, it is in your best interest to be present and inspect your car with the driver.
The same inspections process is repeated on delivery. If there is damage, it must be noted on the Bill of Lading.
Most reputable car shipping carrier companies are paperless. They use electronic devices to fill out the Bill of Lading and attach pictures of the vehicle during pickup and delivery.
Filing a claim
If something does happen to your car during transport, be sure to file a claim immediately. The sooner you file a claim, the sooner you can get your car repaired.
Tips for a smooth car shipping experience
- Document the Condition: Take photos of your car from multiple angles before shipping. This will serve as evidence in case of any damage.
- Empty the Vehicle: Remove all personal items, as they are usually not covered by standard car shipping insurance.
- Check the Company’s Credentials: Ensure that the shipping company is licensed and has a good track record.
Make sure to read our full article on how to properly prepare your car for shipping here.
The Final Word on Car Shipping Insurance
Always scrutinize the policy, consider additional coverage based on your needs, and take proactive steps to ensure a smooth shipping experience.
After all, when we are discussing the protection of your valuable asset, it’s better to be safe than sorry.
FAQ
A: While it’s generally included in the shipping cost, some companies may offer it as an optional add-on. Always verify before signing any contract.
A: Some personal auto insurance policies may cover car shipping, but it’s essential to confirm this with your insurance provider.
A: The cost can vary widely depending on factors like the shipping distance, type of vehicle, and additional coverage options. Always request a detailed quote.
For more frequently asked questions and detailed answers, please visit our comprehensive FAQ section: https://www.unlimitedautotrans.com/help/
