Car Transport Insurance
There is one aspect of car shipping that seems to be the most confusing for people, and it is always a topic of concern or discussion when anyone starts to research shipping their car. That topic is car shipping insurance. At carshipping.org, we aim to answer all of your questions and provide you with as much information as you need to make a decision on who is the best company to ship your car.
What is car shipping insurance?
When you ship your car, it must be protected. There are too many things that are beyond our control, and even the most talented auto transport driver can have an accident. The auto transport driver is not the only person on the road. There are millions of other drivers out there as well, and at any moment, any one of these drivers could be the cause of an accident. Mother Nature is always a concern as well. In the unfortunate event of an accident, car shipping insurance should be in place to help protect your vehicle.
Do I need car shipping insurance?
Some car shipping companies will not ship your vehicle unless you use a car shipping insurance policy that is provided by them. It is a good idea to get as much insurance coverage as you can afford when shipping your car. Once your vehicle is loaded onto the hauler and you sign off on it, it is out of your hands. Insurance can help replace your vehicle if there is an accident.
What about my personal car insurance policy?
Your personal car insurance policy may or may not offer your vehicle protection while it is being shipped. The only people that will have an answer to that question is your insurance company. Give them a call, and ask them if your current insurance policy will cover your vehicle while it is being shipped. It may not be covered with your current policy, and your insurance company might offer a special insurance package just for the car shipping process.
Are there different types of car shipping policies?
Not every car shipping company is the same, and every one of them has different insurance policies. However, there are two basic types of car shipping insurance policies.
A primary insurance policy will cover the vehicle up to the policy limits. Read the fine print here, because any damage that is beyond the limits of the primary policy will have to come out of your pocket or a an excess insurance policy.
An excess insurance policy will provide you with additional coverage beyond the scope and range of the primary insurance policy. This is usually used when shipping exotic vehicles.
We have all heard the old saying, “Ask no questions and I will tell no lies.” The same can be said for car shipping insurance. Don’t be afraid to ask as many questions as you can think of. It is your vehicle, and you are paying for the car shipping service. Make sure that you have a complete and total understanding of the car shipping insurance policy and who is responsible for any damages.