Claiming for car insurance during vehicle shipping

You need vehicle insurance for driving your car, you also require insurance for moving your car from one destination to another. It is common knowledge that while shipping your car there are great possibilities for dents, scratches and other types of damages to the vehicle. It is for this reason that  insurance for shipping your car becomes critically necessary. Auto shipping insurance protects your car from all likely natural calamities as well.

Once you select the company, you should insist on seeing their insurance certificate that they are mandated by law to carry. To confirm the genuineness of the documents, you can check out with the auto transportation insurance provider. Some companies will orally tell you that they have an insurance certificate but do not trust them as insurance is vital.

Make it a point to ascertain from the car moving company whether all types of damages that occur to the car in transit will be covered. Also find out what parts of the car are covered and if you will be asked to pay any deductibles. Make it a point to get all the clarifications in writing so that you do not encounter problems later. You should also explore the possibilities of buying an additional cover if the coverage given by the company is insufficient.

The insurance policies may vary from one carrier to another. It is better to know beforehand whether the insurance provided by the company is an excess or primary insurance policy. A primary policy will cover compensation to your car in spite of the coverage in a regular insurance whereas an excess policy will only cover what is not availed by the insurance.

When you deliver the car to the transport company, their inspector will check the car and note down all the existing damages before loading it. The onus is on you to note down the details of all the damages that occurred to the car during transit on the condition report (also known as “bill of lading”) before you accept the car at the end destination.

Make sure that the driver signs the bill of lading or else it will have no validity. It is preferable that you carry a camera and take photographs of all the damages in the presence of the driver. As far as possible, take delivery of the car during daytime or under bright lights, if it is during night.

You can straightaway claim reimbursement directly from the vehicle moving company. If there are reasons to file a claim, do it as soon as you take delivery of your vehicle without much loss of time. Be aware that the carrier company will indulge in all evasive tactics and try every possible way not to pay insurance claim.

If the company is not responding properly during the claim process you can lodge a complaint with local Better Business Bureau. You can also contact U.S. Department of Transportation if your car was transported overstate lines. You can get in touch with the Department of Transportation for filing complaints against unscrupulous auto shippers.

In most cases, your car will arrive in good condition. But by taking the proper precautions, such as buying auto shipping insurance and inspecting your car before and after the trip, you will be able to know that your car was safe in transit.

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