Auto Transport Insurance — Make Sure Your Vehicle Is Covered

You’ve done your research, shopped around, and hired a reliable auto transport company. But no matter how good you feel about the company you’ve hired…accidents happen. Take that extra step to research insurance coverage for even greater peace of mind.

From small dents and scratches caused by the elements or rough handling, to major damages caused by a highway crash, your vehicle is always exposed to possible harm during transport. The best way to make sure your vehicle is protected in all scenarios is to research your insurance options. You can start with your vehicle moving company.

All vehicle transport companies are required by law to carry insurance. At a minimum they must provide liability coverage for vehicles damaged during transport. They are required to show you their certificate of insurance if you ask. Read through it carefully to understand the amount of coverage that applies to your car and the terms and limitations of that coverage. Depending on the make, model and year of your car, the minimum coverage may be enough for your vehicle. If not, start asking about other options.

You may be able to purchase additional insurance from your carrier, allowing you to cover the full replacement cost of your car. Though the additional coverage will cost you more money, but it may be worth it to protect your car.

If full coverage is not available through your carrier, check with your own insurance agent. It is possible that your car is covered for auto transport beyond what the carrier will provide. If not, you may be able to purchase a temporary rider to cover your car during shipping.

A reputable company will cover damages to your vehicle that occurred during shipping. To protect yourself, make sure you are present for both the pick-up and delivery inspection. Go over the report with the inspector and note any disputes. Do not sign any report that you don’t agree with. If you have a dispute, work with your transporter to resolve it. It is in their best interest to settle any claims as quickly as possible.

Damage during shipping is rare, and most likely your vehicle will be delivered in the same condition in which it was picked up. But it’s always smart to make sure your vehicle is fully insured during transport. Start by hiring a reliable company with a reputation for good customer service