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Do I Need Extra Insurance if I’m Shipping My Car?

If you have decided to have your car shipped then it is necessary to make sure you have the proper insurance for your vehicle. The last thing you want is to be held liable for damage that occurred during transport. Your car is one of your most valuable assets, so it’s absolutely essential to take the right precautions before turning it over to a third party. In order to make sure your car is fully covered, you will need to understand the different aspects of shipping insurance.

Does the Shipping Company Provide Insurance?

All car shipping companies will provide some sort of insurance for your vehicle’s shipment. However, with some companies it may not be included in the cost. There may be an additional fee for this insurance. You also want to find out when the shipping company’s liability begins and ends. For all insurance companies, the insurance only covers the time that your vehicle is actually on the truck and does not cover transport to and from the truck yard. In this case, you might consider purchasing additional insurance to make sure your car is covered during the entire process. 

Does Regular Auto-Insurance Cover Shipping?

It is a good idea, just in case, to check with your auto insurance company to find out if your vehicle is covered during car transport. Unfortunately, if there’s an issue with the carrier’s insurance or a disagreement between parties, damage to a vehicle can and does happen from time to time. This is why you need to make sure your vehicle is covered under insurance during transport. Since every insurance policy is different, you will need to start by checking out the specifics of your regular auto-insurance plan. 

How Much Will the Insurance Cover?

In some cases, your transport insurance will only cover damage up to a certain amount. If you are transporting a high-value or antique vehicle, you may find that this amount is not sufficient enough for your needs and it might be in your best interest to purchase additional insurance. It is also important to take into account whether your car will be transported in an open or enclosed carrier. Enclosed carriers are designed for high-end cars to prevent damage so you may not need to purchase extra insurance. In any case, be sure that you understand exactly how much coverage you have so you can make an informed decision on whether or not you need to purchase additional insurance. 

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