Your car is the second most expensive items you will ever buy after your home. This is why you insure your car against accidents, theft and other damage. What you might not realize is that when your car is loaded onto a truck for transport, you might not be covered for as much as you think. There is a lot of information that you need to know about auto transport insurance to ensure that you are covered should anything happen.
Get Proof Of Insurance
Before agreeing to work with an auto transportation company, you need to ensure that they have insurance. The company will generally state that they do have, but you need to get proof of this insurance. The company should have a valid insurance certificate that they are able to present to you when you ask.
While the certificate is a good start to getting proof of insurance, you also need to ask a few questions about the policy. You need to find out if the insurance covers all damage which occurs during the shipping process. There are some insurance policies that will cover the whole car while others will only cover certain parts and some that require you to pay a deductible when damage occurs.
Check With Your Insurance Company
Many people do not realize that their insurance policy might cover their vehicle when it is being transported. However, you should never assume this and you need to check with your insurance company. You should not only find out if your car will be covered, you also need to find out if there is any notification that you need to provide to the insurance company. If you do have to provide notification of the transportation, this will generally have to come from the shipping company that you are going to be using.
Remove The Loose Items Inside The Car
Most auto transport insurance offered by shipping companies will not cover damage to the inside of your car. To reduce the chance of this damage happening, you will need to remove all loose items from the inside of the car before you hand over the keys. You need to carefully go through the interior of your car to ensure that you have removed everything including loose change, electronics, CDs or other devices that could become airborne.
When you remove these items, you will not only be reducing the risk of interior damage. You will also be lowering the chances of break-in theft. This is something that the insurance offered by shipping companies will generally not cover.
Get A Bill Of Landing
Before the car is collected, you need to inspect it and make a note of any damage. Once the car has been delivered, you will need to have a Bill of Landing. This is a condition report which details the vehicle’s condition when it arrives.
You need to carefully inspect your car when you get it, including the undercarriage. It is also recommended that you turn the car on to ensure that there is no mechanical damage. You should not sign off on the Bill of Landing if you are unhappy about anything.