When you are using a car transport carrier, you need to know if your car is protected in case it is damaged during the transit. This is important to know because you cannot just hand over your vehicle to someone without knowing your heavy investment is secured or not.
Any damages to the car during the transport means repair money coming out of your pocket if there’s no insurance policy in place. Plus, the damages can reduce the financial value of your vehicle.
And what if the truck gets into a major accident and your car is completely destroyed? Not having an insurance policy in this situation means kissing goodbye to the money you spent on the car. So having a solid insurance policy in place is a MUCH NEEDED thing when getting car transport.
Car Transport Companies Have Cargo Insurance:
Most of the professional car transport companies have cargo insurance that covers any damages your car sustains during the transit. This means whether the car is damaged due to the failure of equipment, negligence of carrier or accident, you will be protected.
However, things like natural disasters are the tricky bits. You need to ask your auto shipping company if their insurance policy covers damages from natural disasters. You can also ask them what kind of damages will be covered, how much total coverage value is and if there’s anything special for expensive vehicles.
Also, if you ship a car with enclosed auto shipping, you might get more coverage because of the car’s high value. Ask the vehicle shipping company you are working with about this; they should have added protection for enclosed auto transport.
You Can GAP Insurance for Additional Coverage:
If you find out that the total value of your car exceeds the coverage amount of the cargo insurance policy, then you can opt for GAP coverage. Although major accidents rarely happen as professional companies only hire carriers who are skilled at what they do, you can get additional coverage if your car is very expensive.
With GAP coverage, you basically get the insurance coverage that covers the gap between the amount offered by the car transport company’s insurance and the total amount required to cover the damages.
Remember, Your Personal Stuff is Not Protected:
This is something that not many people consider when they SHOULD! Shipping your car is a totally different thing than shipping your personal items inside it. Many auto transport companies won’t even allow you to ship something inside the car, and there’s a good reason for this.
They are not licensed to move anything other than the automobiles. However, some professional vehicle shipping companies still allow their clients to ship up to 100lbs of stuff inside. However, we strongly recommend that you do not ship anything of high value because it is not going to be covered under cargo insurance that protects your car.
Vehicle transport companies acquire cargo shipping on the basis of their auto transport license, so that means it will not protect anything that is not related to automobiles.
Whenever you book a car transport service provider, always inquire about their insurance coverage. They should at least have a cargo protection policy in place. Some of the big companies also offer additional coverage, which is great if your car is expensive.
Whichever company you decide to hire, ask about what their policy covers and in which condition you will be eligible for insurance claims.
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