Do you need insurance to ship a car?
As a customer, you have a legal right to review your shipping company’s insurance coverage. They should provide you with a copy upon request. Read the fine print and ask questions.
If the shipping company hesitates to provide their insurance information, you should find a different auto shipping company. There are plenty available, and they’d all be happy to receive your business. Never trust someone with your car when they aren’t willing to provide proof of their responsibility.
Unfortunately, many auto shipping companies try to avoid responsibility by hiding waivers in their contracts. These allow them to legally avoid all responsibility for damage done to your vehicle while in their possession. It’s one of the key reasons you should always read the fine print before you sign anything.
Discuss "acts of God" with your insurer
Falling trees, hail, and other natural events typically fall under your own insurance as acts of God. Discuss these potential events with your insurance provider to make sure they would be covered before you hire a shipping company.
Mitigate risks when you ship your car
In the best case scenario, you will not need to call on the shipper’s insurance or your own policy. Taking precautions may help avoid accidents. They also help you get the payout you need if anything does happen.
Don’t use your car as a large box. People usually have their cars shipped when they make a big move, and packing your car is second nature to travelers.
No matter how tempted you are to put some pots and pans in the trunk, however, you should resist. It’s easy for these items to turn into projectiles or get damaged during transit, and the shipper’s insurance won’t cover damage they do to your car or others’ cars.
Your driver should make a written report about any pre-existing damage to your car. If the driver skips this step, you should not let them load your vehicle. If they don’t meet their insurer’s demands, the insurance may not cover your car if there’s an accident.