Month: July 2022

When entrusting your vehicle to a carrier for transportation, it’s crucial to understand the insurance coverage that comes with it. Here’s a comprehensive overview to answer the common question, “Is my car insured during transport?”

**1. ** Carrier’s Cargo Insurance: – Damage caused by the carrier during transport is typically covered under the carrier’s cargo insurance policy. – Carriers generally maintain cargo insurance of up to $350,000, which varies for different trailer sizes (e.g., full size 8-9 car trailer vs. smaller trailers).

**2. ** Exceptions for Acts of God: – Damage resulting from acts of god like hail, storms, etc., is usually not covered by the carrier’s insurance policy. – It’s essential to have a discussion with your carrier regarding the type and extent of insurance they carry.

**3. ** No Imposed Deductibles: – In the unfortunate event of any damage, carriers typically do not impose a deductible on you.

**4. ** Exclusion of Personal Items: – It’s important to note that personal items inside the car are not covered by the carrier’s insurance. – Damage caused due to these personal items is also not covered. Hence, it’s advisable not to have any belongings in the car during transport.

**5. ** Documenting Damage: – In the event of damage, ensure that it is noted on the bill of lading, and take pictures both before pickup and during the drop-off inspection. – These documented records will be invaluable when filing a claim for any damages.

Understanding these insurance aspects is crucial to ensuring a smooth and protected transport process for your vehicle. If you have any concerns or specific questions regarding insurance coverage during vehicle transportation, don’t hesitate to discuss them with your carrier for clarity and peace of mind.