What to know about auto transport insurance

You might think that moving your washing machine or a refrigerator is a challenge. However, relocating your car is a completely new level of investment. For starters, you would need good auto transport insurance secured. The good news is that there isn’t much packaging involved before this step. Or for that matter, any type of special preparation. On the other hand, there is way too much paperwork involved. Especially if you want to make sure everything proceeds as smoothly as possible. There are many professional moving guidelines that can help you with this step. It all comes down to getting the right type of insurance for your vehicle. With this in mind, check out the following insurance types and choose the one that would benefit you the most.

Types of auto transport insurance

Vehicle insurance comes in three basic types. Each of them is an essential part of the moving process. Even though they might all seem alike, it’s a good idea to have all three of them while relocating your car. 

  • Customer insurance – this is the most basic type of insurance and the one you probably already have. Not only does it protect you while driving, but this insurance also covers any damage your vehicle may suffer during relocation as well. You also need this insurance before reserving a carrier. 
  • Carrier insurance – as with the insurance above, this one also protects your car during the move. Every respectable carrier has this insurance, but it’s always a good idea to double-check this with the shipping company. Never work with a company that doesn’t offer you this information.
  • Broker insurance – brokers are a bridge between the customers and the drivers. They don’t really provide their own insurance. Instead, they offer a variety of supplemental policies or additional coverage. It’s not required insurance, but depending on the type of your vehicle and moving destination, you might want to check what they have for offer.

As you can see, the auto transport insurance is an important part of the moving. Also, make sure that your moving company is legit as well. It’s crucial to get the right coverage your car needs and good movers if you want to move your car without any damage or loss. However, as with all the paperwork, it’s best to always read the fine print as well. In order to help you better prepare for this, here are some tips and tricks you should be aware of.

man driving a car
If you’re driving, chances are you already have the most basic auto insurance prepared

Requirements and coverage for auto transport insurance

The most important benefit of insurance is the security it provides. And this is true no matter who is responsible for your car. Furthermore, almost every state has a mandatory law on auto transport insurance. Therefore, there aren’t any special requirements your vehicle would need to meet in order to be transported. Of course, the details of the insurance depend on the company. Generally, their insurance protects your vehicle against damages and collision, but some extensive ones cover even fires, vandalism, and theft. What most of them don’t offer, is insurance on what is inside the vehicle. For example, if you want to move your gym with your vehicle together in one go, consider hiring fitness equipment movers instead. This way your equipment will not suffer any damage during the move. The same goes for any items you wish to leave in your vehicle.

crushed front of the car
Insurance covers the losses caused during the relocation of the vehicle

Proof of insurance and the importance of getting everything in writing

There is no way to stress this enough, but always get everything you agreed with the shipping company in writing. This way you will reduce and even completely remove unpleasant surprises. Having stacks of insurance papers can be a bit of a bother, especially when you’re moving. And one of the most important papers, in this case, is the proof of insurance. Every respectable company has it. If they don’t consider looking for another shopping partner. You want to make sure you get the best moving insurance for your car. When checking a valid insurance certificate, ask for more details regarding the policy. For example, if it covers an entire vehicle or just some parts of it. And most importantly if you’ll need to pay for any damage.

Completely empty the interior of your car and take pictures

Most insurances cover only the exterior of the car. Therefore, to reduce the risk of damage to the interior, remove all of your belongings from the vehicle. So be sure to check every nook and cranny of your car. By doing so, you’ll reduce caches of a theft, which is also one of the things most insurance companies don’t cover. Once you empty the inside of the car of everything, don’t forget to take pictures. There is a possibility that the shipping company might also do this. But at the end of the day, it’s always best to have your own proof as well.

interior of a car
Don’t forget to remove all of your belongings before the move

Bill of Landing and what to do once the car reaches the destination

Once the vehicle reaches its destination, it’s time for one final step. The company will hand you a Bill of Landing for your inspection. It’s essentially a report detailing the conditions and such of the vehicle upon arrival. Once you get this paper, check your car both inside and out. It’s also a good time to take out those pictures you took. Writing everything that is missing or damaged on the Bill of Landing. Otherwise, just fill in general observations. The driver will sign the document off and you can save it, or send it to the company if any damage occurred.

Insurance is a lucrative business that continues to expand with each moving season. In other words, they consider global trends and happenings before offering the most suitable option for you. The best part is that not all auto transport insurances have to complicated. Furthermore, your shipping part will help you with each step so moving your vehicle will be stress-free and secure.

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