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Auto Transport Insurance: What You Need to Know

Transporting your vehicle instead of driving it over long distances is a convenient and stress-free solution. However, ensuring your car is adequately protected during the journey is crucial. At Auto Transport Professionals (ATP), we prioritize your peace of mind by including car transport insurance with every shipment. Let’s dive into the details of this insurance, the types available, and how you can protect your vehicle during transport.

Understanding Auto Transport Insurance

Even with reputable carriers like ATP, unexpected situations can arise. Knowing the different types of insurance available for vehicle transport is essential to make an informed decision.

1. Customer Insurance

Your personal auto insurance policy primarily covers you while driving. However, many policies extend coverage for damages or theft during transport, even when the car is not in your possession. To be safe, contact your insurance provider and confirm whether your policy covers vehicle transportation and what exclusions may apply. For example, your insurer may not cover damage caused by natural disasters (also called “Acts of God”) like tornadoes or floods.

2. Carrier Insurance

Transport carriers are required by law to carry liability insurance to cover damage to vehicles in their care. This insurance generally provides coverage for damages caused during loading, transport, and unloading. Reliable companies like ATP will provide proof of this insurance upon request. Always verify that the carrier’s coverage aligns with your needs.

3. Broker Insurance

Brokers act as middlemen, arranging the transport of your car but not physically moving it. As a result, brokers typically don’t provide direct insurance coverage. However, ATP goes the extra mile by having insurance protection of its own.

How to Secure Proper Insurance for Car Transport

Understanding your insurance options is only the first step. Here’s how to ensure your vehicle is fully protected during transport:

1. Review Your Personal Auto Insurance

• Call your insurance company to determine what coverage applies during transport.
• Ask about exclusions like natural disasters or vandalism.
• Confirm whether your policy includes full replacement value or only partial coverage.

2. Confirm Carrier Insurance

• Request a certificate of insurance from the transport carrier.
• Ensure it includes adequate coverage for theft, collision, and damage caused during loading and unloading.
• Read the fine print to understand the policy’s limits.

3. Consider Supplemental Coverage

If gaps exist in the carrier’s insurance or your personal policy, consider purchasing additional coverage. 

4. Get Everything in Writing

Before signing a transport contract, make sure all insurance details are documented. This includes coverage limits, exclusions, and the claims process. Clear documentation will protect you in case of disputes.

The Benefits of Enclosed Auto Transport

For those looking for maximum protection, enclosed auto transport is an excellent option. This service ensures your vehicle is fully shielded from external elements like weather, road debris, and potential hazards during transit.

Why Choose Enclosed Transport?

• Protection from the Elements: Your car is completely enclosed, protecting it from rain, snow, and sun damage.
• Enhanced Security: Enclosed trailers have additional locking mechanisms, reducing the risk of theft.
• Higher Insurance Coverage: Many carriers offer increased liability coverage for vehicles shipped in enclosed trailers.
• Ideal for Luxury and Classic Cars: Enclosed transport is highly recommended for high-value, vintage, or exotic vehicles.

While enclosed shipping costs more than open transport, the additional protection is worth it for many customers.

Pre- and Post-Shipment Inspections

Inspections are critical for identifying and addressing any damage to your vehicle. Here’s how to handle inspections properly:

Before Transport

• Clean Your Car: Dirt can hide scratches and dents. Washing your vehicle ensures all pre-existing damage is visible.
• Document Condition: Take high-resolution, timestamped photos of your vehicle from multiple angles.
• Share Notes: Record any existing damage and share this information with the carrier.

After Delivery

• Inspect Thoroughly: Look for any scratches, dents, or issues not present before shipping.
• Compare Records: Check the delivery condition against the pre-transport inspection report.
• Sign Off with Caution: Do not sign the bill of lading until you are satisfied with the vehicle’s condition. If damage is present, document it and report it immediately to the carrier.

Common Questions About Auto Transport Insurance

Is car transport insurance included in the cost?

Yes. At ATP, every shipment includes basic insurance coverage. This ensures your vehicle is protected during transport.

Do I need my own insurance to ship a car?

No, you don’t need personal insurance to ship a vehicle. However, having it can provide an extra layer of protection.

What if my vehicle is damaged during transit?

If your vehicle sustains damage, immediately document the issue and notify the carrier or broker. The carrier’s insurance will typically cover repairs or replacement, depending on the situation.

Can I ship personal items in my car?

While some carriers allow up to 100 pounds of personal items in the vehicle, these are not covered by transport insurance. Be cautious when shipping valuables.

Does enclosed transport come with better insurance coverage?

Yes, enclosed transport often includes higher insurance limits, providing extra security for high-value vehicles.

What to Do if You Need to File a Claim

If your car is damaged during transport, follow these steps:

1. Document the Damage: Take detailed photos of the affected areas.
2. Contact the Carrier: Notify the transport company immediately and provide evidence.
3. Submit a Claim: Follow the carrier’s process for filing a claim. Include all documentation, such as photos, inspection reports, and the bill of lading.
4. Follow Up: Stay in contact with the carrier or their insurance provider until the claim is resolved.

Why Trust Auto Transport Professionals?

At ATP, we prioritize safety and reliability in every shipment. Here’s why customers choose us:

• Built-In Insurance: All shipments include comprehensive coverage, protecting your car from pickup to delivery.
• Experienced Carriers: Our vetted carriers handle your vehicle with the best care, reducing risks.
• Transparent Communication: We provide clear documentation and regular updates throughout the transport process.

Tips for a Smooth Transport Experience

• Book Early: Reserve your spot with a carrier 2–4 weeks in advance to secure your preferred dates.
• Choose the Right Transport: Consider enclosed transport for luxury or classic cars.
• Understand Your Insurance: Verify coverage limits and exclusions with both your insurer and the carrier.
• Stay Flexible: Allow a range of pickup and delivery dates to accommodate scheduling.

Get Your Car Shipping Quote Today

At Auto Transport Professionals, we ensure your vehicle is transported safely, securely, and fully insured. With our reliable carriers, transparent pricing, and customer-first approach, you can trust ATP to handle your car with care.

Request your free quote today! Call us at (239) 259-8198 or use our online calculator to get started. Let ATP simplify your next vehicle transport.