Insurance Coverage You Need When Shipping Your Car

Insurance coverage

What Are the Types of Insurance?

There are three basic types of vehicle transport insurance. You will need to know how all of these kinds of insurance work related to your car’s transportation process.

Customer Insurance

This is the insurance that you have on your car. You will have to have this policy in place when you ship a car. This is regardless of what other coverages you decide to add during the trip. This is the basic insurance policy that you have in place that protects you when you are driving your car.

Additionally, it’ll have an extension within it that helps with replacement costs. This is in case your car is damaged or totaled during the time the vehicle transport company has it.

Carrier Insurance

This is the insurance that the carrier has that also covers damage or losses that involve your car. You should make sure that any car shipping company you are working with has this insurance in place.

It is a big red flag if they do not and you should never consider working with a company that will not share their insurance information with you before you commit to having them take your car for you to your new location.

Broker Insurance

Brokers are middlemen who facilitate contracts between drivers and customers. Yet, they are not the owners of the companies that haul these vehicles. Also, they will not be able to help with any of your auto shipping insurance needs.

You will find that broker insurance is not really their own insurance. Although, they might sell supplemental policies that are provided by a third-party insurance company. This might not apply to your needs during your car’s transport and you should be wary of using a brokerage for your car transport needs or for any supplemental coverages that they might offer you.

What is Cargo Insurance?

Cargo insurance provides additional protection for your vehicle when you use a professional auto transport company. Specifically, this coverage protects your car against physical damage that may occur during transit. In many cases, auto transport companies carry cargo insurance policies with coverage limits of up to $350,000, although coverage amounts may vary by company and state regulations.

However, customers should understand how carriers apply this coverage during an accident. Instead of assigning the full coverage amount to each vehicle, the insurance company divides the total cargo coverage among all vehicles loaded on the trailer at that time. For example, if a trailer transports eight vehicles and all of them sustain damage, each vehicle may only receive a portion of the total coverage amount.

Additionally, liability coverage works differently from cargo insurance and does not split coverage in the same way. Therefore, customers should always ask how many vehicles the carrier plans to haul on the trailer during transport. As a result, vehicle owners can better understand how much protection may apply in the event of significant damage or total loss.

Issues With Brokers

Brokers are not insurance companies and they are not the owners of the truck that is transporting your vehicle. They might sell policies on behalf of insurance companies or facilitate the transport that you have booked. However, they are not the actual company driving your vehicle to your new home.

Always remember this if you use a broker for your car shipping insurance needs. You will always have to run claims through the actual insurance company that holds the policy and you will need to deal with the actual car transport company that is hauling your car for any concerns that you might have.

Some Ways to Protect Yourself From Auto Insurance Issues

1. Ask For Proof of Car Transport Insurance

You should never skip this step when you are working with a vehicle transport company. Companies who do this kind of work should be able to provide a valid certificate that states what their coverage is and which company it is through. You will need this information if you need to file a claim. Thus, having it on hand takes care of two birds with one stone.

2. Make Sure Things Are in Writing

Handshake deals and verbal agreements are never a good idea. You should always make sure that the insurance information that you were quoted is listed and detailed in your contract. Do not sign anything that does not include insurance information.

3. Pre-Possession Inspection

This is the process that the car transport company does before they take over control of your vehicle. They will look at any existing damage to your vehicle and note it in their documentation. You can also take pictures of your vehicle before the company takes it from you. This is so that you can prove the condition of the vehicle before it was transported if need be.

4. Bill of Lading

This is the condition report you’re given when you get your car at the end of the transport process. You should make sure that you look your car over thoroughly before you sign off on this bill of lading. Any damage to the engine, undercarriage, interior, paint or other parts of your car that was not present when you handed your car off to the transport company will need to be addressed before you sign anything. You will include the damage that you see on the bill of lading. Also, you can call the transport carrier or broker to determine how you can get reimbursed for these damages.
Be careful not to sign off on a bill of lading if you aren’t sure that your vehicle is in the condition that you handed it over to the company. You will not be able to seek reimbursement after a signed bill of lading that does not mention damages.

LISCA Auto Transport

4.9

Based on 253 reviews

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Samir Parseghi

3 weeks ago

Albert did a great job helping me ship my car from jersey to la, using him again when Ill be coming back
Thank you LISCA!

GeGeXO

3 weeks ago

I was pleasantly impressed with how soon my vehicle arrived.

James Evans

4 weeks ago

Good company

Sonya Wong

4 months ago

Highly recommend. Booked with Albert, who texted me when my car was picked up and sent me a tracker that allowed me to view where my car was up until drop off. It was a covered transport, which I was pleasantly surprised by, as I did not request this. They also sent tons (100+) of photos at pick up to document the condition of the car (it was a new vehicle purchase) and it was delivered in the same pristine condition. Paid a fee during reservation, and the balance at drop-off. No surprise or unexpected fees. Would definitely use again.

Michelle Wu

5 months ago

I found Albert from my friend, they already shipped car with him twice. Very caring, no extra after pay. Honest, responsible. From Indiana to California. I’ll definitely using this service for rest of my life lol🥰 btw, I asked tons of questions (as an owner he’s really busy)and he answered one by one,day by day. Great experience overall!

Hovo Bogaryan

8 months ago

I had a great experience with Lisca, they were very easy to deal with and prompt in their responses and happily answered my many questions. As a first time shipping an exotic car I had a lot of worries and they made me feel secure in my decision with working with them.

Gabriela H

8 months ago

From first communication to delivery I received excellent service. I had to reschedule car transport due to moving company shenanigans buyer be ware at my home. Everything with Lisca worked like a dream and my car made it 4 days early cross country. The driver communicated en route he was pleasant and unloaded my car in a blink of an eye. I will use Lisca again thank you for your excellent service.

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LISCA TRANSPORT

10043 Forbes Avenue, North Hills, California 91343, United States

747-229-2227

667-423-5935

info@liscatransport.com

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