Everything You Need to Know About Liability and Insurance Before Shipping a Car

Shipping a car requires careful planning, and one of the most important aspects to consider is insurance coverage. Whether you’re moving to a new state, buying a vehicle from another location, or sending a car to a family member, understanding liability and insurance ensures your vehicle is protected throughout transit.

Read on to discover everything you need to know about shipping a car.

Understanding Carrier Liability

Auto transport companies are required by law to have liability insurance, which covers damages caused by the carrier during transportation. However, this coverage varies between providers. While it typically protects against accidents caused by the transporter, it may not cover theft, vandalism, or damages resulting from extreme weather conditions.

Before handing over your vehicle, request proof of insurance from the transport company. Verify the coverage limits and exclusions to ensure they align with your expectations. If the provided liability insurance is insufficient, consider purchasing additional protection.

Comprehensive and Personal Auto Insurance

Your personal auto insurance may already offer some level of coverage for vehicle transportation, depending on your policy. Contact your insurer to confirm whether your plan extends to shipping-related damages. Some policies include coverage for non-collision incidents like fire or theft, which can be beneficial if the carrier’s policy has gaps.

If your existing insurance does not cover transportation risks, purchasing a comprehensive policy or a temporary supplemental plan can provide peace of mind. While it may seem like an extra expense, it helps protect your vehicle from potential financial losses.

Steps to Take Before Shipping

Taking precautionary steps before shipping your car can help ensure a smooth process and minimize potential issues:

1. Inspect Your Vehicle: Conduct a thorough inspection of your car, noting any existing dents, scratches, or mechanical issues. Take detailed photos from multiple angles to have a record of its condition before shipment.
2. Remove Personal Items: Auto transporters typically do not cover personal belongings inside the vehicle. Remove valuables and loose items to prevent damage or loss.
3. Check for Leaks and Mechanical Issues: Ensure your vehicle is in proper working condition. Address any leaks or mechanical problems to avoid complications during transport.
4. Confirm Insurance Details in Writing: Ask for a copy of the transport company’s insurance policy and verify the terms before signing any agreements.

What to Do If Damage Occurs

Upon delivery, inspect your vehicle immediately and compare its condition to the pre-shipping photos. If you notice any damage, document it thoroughly and notify the carrier. Most transport companies have a claims process that requires written documentation and photographic evidence. Reporting issues as soon as possible increases your chances of receiving compensation.

For those looking for reliable shipping options, Arkansas car shipping services offer multiple carriers with insurance options to fit different needs.

Final Thoughts

Grasping the intricacies of liability and insurance coverage before you embark on your car shipping journey is crucial to avoiding unwelcome financial surprises. Dive deep into the policies of your carrier, seeking clarity on their protections and responsibilities. Don’t forget to engage