For many Americans, their automobiles are second only to their home as the most expensive commodity. Everyone made sacrifices to purchase out vehicle, combine this with the convenience it provides; you have every reason to take care of it. Except for carrying out auto repairs, you also safeguard your car against damage, theft, and accidents. All these measures are in order. However, you could be ignorant of the reality that perhaps your insurance policy does not cover the vehicle while on shipping.
The type of liability coverage your transporting company offers for damage is not technically insurance and, therefore, is not governed by state insurance laws. Under federal law, though, all interstate carriers must offer two different liability options; full value protection and released value protection.
In another case, your auto transporting contractor may relinquish taking responsibility for damages incurred in transit. Such altering in the contract can work to your disadvantage. Before handing your car, check the auto mover's insurance policy. Make sure that it covers vehicles in their possession.
Ask the Shipping Company for Proof of Insurance
According to federal law, all shipping companies should carry a valid insurance certificate, and they should be able to present it when asked to. When speaking with an auto transport representative, make sure that you understand the policy thoroughly. Find out what damage is and not covered, such as that which might occur during loading, offloading, and transit. An authorized auto shipper will ensure that you are relaxed and comfortable with the process before shipping.
Things to keep an extra eye for
The Extent of your Policy Cover
Auto movers insurance policies differ with some offering full protection for damages while others provide a minimum amount of insurance to save money, this may fall short of the actual value of the cars that they are shipping. A typical auto transporter will purchase minimum insurance coverage, which comes out to about $25,000 per automobile. If transporting a vehicle that is worth more than that, it is in your best interest to look for a carrier with more excellent coverage.
Pre-Shipment Inspection
Before the shipping company takes possession of the vehicle, the auto mover should inspect your vehicle. Make sure that you are present when the examination takes place and request a copy of the report. Furthermore, take high-quality photographs of the car from different angles as a proof of its condition, recheck the pictures to confirm that your automobile had arrived in the state as when the shipping firm took it away.
Remove Loose Items from the Interior of the Car
Auto movers do not cover damages to a vehicle's interior, so to reduce the probability of this happening, remove items from your car before handing over the keys. This includes all removable electronics, CD players, and anything that could possibly become airborne. By eliminating loose items, you will also reduce the risk of theft.
The Bill of Lading
When the automobile is delivered, the owner will have to fill out the bill of lading, which is essentially a condition report that details the vehicle's condition after shipping. Make sure to check the car thoroughly, including the undercarriage, because once you sign off on the bill of lading, the transfer is complete. If you missed something, the auto transport company would not be responsible. If you find signs of damage, mention it on the Bill of Lading and have the driver sign off on it. Afterward, contact the shipping company directly to inquire about payment.
Check with your Auto Insurance Company
To further protect your automobile, your own auto insurance company may cover your vehicle while it is in transport, but do not assume this is so, you have to check with your insurance company policy related to it. It is essential to check with your auto insurer to determine what damages are covered, such as those from weather, debris, and negligence.
Get Everything in Writing
Before agreeing to the terms and conditions of the traveling company service, get any exclusive agreements or considerations in writing. This will protect you in the event that something unforeseen happens, especially if they are providing you with a service or agreeing to something that is not indicated in their regular contract.
Where to File a Complaint
In all likelihood, damages during transit do not occur often, it is nice to know how to file a claim in the case of unforeseen circumstances. Insurance companies require detailed documentation when registering a contend. The documents, such as the bill of lading, must specify the condition of the car and damage done to it. It is a standard procedure for the shipping company to assist its consumers in the claims process. You can provide a complaint with your local Better Business Bureau office. If your vehicle was shipped over state lines, you could also file a complaint with the United States Department of Transportation.
