When shipping a car, one of the most important considerations is ensuring that your vehicle is protected in case of any damage during the transport process. While car transport companies like Nationwide Auto Car Transport take every precaution to handle your vehicle with care, accidents or unforeseen circumstances can happen. That’s why having the right insurance coverage is crucial for peace of mind throughout the shipping process.

In this post, we’ll explain why vehicle insurance is important when shipping your car and what you need to know about coverage options.

1. Accidents and Damage During Transport

While auto transport companies take extreme care to avoid damage, there is always a small risk of accidents occurring during the loading, unloading, or transit process. For example, rough roads, extreme weather conditions, or another vehicle’s action can sometimes result in minor dents, scratches, or other damage to your vehicle.

Having insurance ensures that if damage does occur, you won’t be left covering the repair costs out of pocket. With the right coverage, repairs and damages caused during the transport process can be handled by the transport company’s insurance or your own policy.

2. Types of Auto Transport Insurance Coverage

There are generally two types of insurance that apply to car shipping: carrier insurance and personal auto insurance. It’s important to understand both options so you can make an informed decision.

Carrier Insurance:

• Most reputable car transport companies, including Nationwide Auto Car Transport, provide basic insurance coverage as part of their service. This typically covers damage that occurs during transport, but the level of coverage may vary by company.
• Carrier insurance usually includes liability coverage for damages caused during transport, but it’s important to review the carrier’s policy to determine the extent of protection, any exclusions, and the deductible.

Personal Auto Insurance:

• In some cases, your personal auto insurance may provide additional protection during transport. However, this varies depending on your insurance provider and the specific policy.
• Some auto insurance policies extend coverage for damage during transit, but it’s always a good idea to check with your insurer before booking car shipping services to confirm the details of your coverage.

3. What’s Covered Under Auto Transport Insurance?

Auto transport insurance typically covers a variety of potential risks that can occur during transit, including:

• Collision Damage: Accidental collisions or contact with other vehicles during transport.
• Weather Damage: Damage from extreme weather, such as hail, storms, or snow.
• Road Hazards: Scratches, dents, or damage caused by debris on the road.
• Loading/Unloading Damage: Damage that occurs when the vehicle is being loaded onto or unloaded from the carrier.

However, it’s important to note that some types of damage, such as interior damage or mechanical failure, may not be covered under standard carrier insurance policies. Be sure to ask your transport company about these exclusions when you discuss insurance options.

4. How to Ensure Your Car is Properly Covered

Before booking your vehicle transport, follow these steps to ensure that your car is properly insured during the shipping process:

• Ask About Carrier Insurance: Confirm the insurance coverage that is included with your transport company. Review the policy details, including coverage limits, exclusions, and the deductible.
• Check Your Personal Insurance: Contact your auto insurance provider to see if your personal policy covers damage during transport. If not, ask about adding temporary coverage for the shipping period.
• Request Additional Coverage: If you’re shipping a high-value vehicle, such as a classic car, luxury car, or custom vehicle, consider purchasing additional insurance for added protection. Many auto transport companies offer options for premium insurance that provides greater coverage for valuable cars.

5. Document the Condition of Your Car

Before your car is shipped, it’s important to document its current condition. Take photos of your car from all angles, including close-ups of any pre-existing damage, and note any dents, scratches, or other imperfections. This documentation will be invaluable in the event that you need to file an insurance claim for damage that occurs during transport.

6. The Claims Process

If damage occurs during transport, it’s important to act quickly and follow the appropriate steps:

• Notify the Transport Company: Inform the auto transport company of any damage as soon as your vehicle is delivered.
• File a Claim: Work with the transport company and the insurance provider to file a claim for the damages.
• Provide Documentation: Submit your photos and documentation of the vehicle’s condition to support your claim.

Conclusion:

While the chances of damage during car transport are low, it’s always better to be prepared with the right insurance coverage. Nationwide Auto Car Transport provides basic carrier insurance with every shipment, but if you have concerns or are shipping a high-value vehicle, additional coverage options may be worth considering.

Ensure your car is properly protected by reviewing your transport company’s insurance policy, checking with your personal auto insurance provider, and documenting your vehicle’s condition before shipment.

Contact Nationwide Auto Car Transport today to learn more about our insurance options and how we can help protect your vehicle during its journey!