Will My Insurance Cover a Vehicle Being Shipped?

Categories: Vehicles
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Though both you and your Service Provider have insurance for the vehicle being shipped, the vehicle might not be “fully covered” in the event of an accident.  Most reliable auto shipping companies carry policies that cover automobile damage during transit. However, some policies only cover certain portions of the vehicle, or require a deductible to be paid.  

To Do’s Before Vehicle Transport:
  • Take pictures of your car, so you will know the state of the car prior to transport
  • Review Service Provider’s insurance policy
  • Confirm with your insurance provider what is covered during an automobile transport
  • Ask your provider if your coverage is “primary” or “secondary” in the event of damage

You will want to make sure that between your insurance policy and that of the Service Provider’s your vehicle will be fully covered during transit.  The difference in your insurance coverage being considered “primary” or “secondary” determines costs or deductibles and other fees.  

Upon delivery of your vehicle you should inspect it carefully to see that your vehicle has incurred no damage during transport.  You should check the following: undercarriage, vehicle interior, under the hood, start the engine, the body, and any other crucial parts of your vehicle that you deem necessary.  Compare the before pictures of your vehicle with the current state of your vehicle.  After your careful inspection note any damages on the bill of lading before you sign for the vehicle.  

When sending your vehicle by water, keep in mind that most vessel’s insurance only covers a total loss.  A total loss constitutes the ship sinking, and other similar instances.  Check with your insurance company before a vehicle transport via water to obtain insurance that will fully cover your vehicle during the voyage.