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Auto Transport Insurance and Security Options

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One of the most important things to consider when shipping your vehicle to your new home is insurance. While shipped vehicles almost always arrive in the exact same condition as when they left, there is always a chance that it can be damaged during the move, and whether this damage is minor or major, you're not going to want to have to pay for the repairs. Before you send your vehicle off with your auto shipper, make sure your car is covered.


There are a few auto-moving insurance options available to you. Figure out which offers the most protection that your budget can afford, and then make your selection.

First, by law, your auto shipper has to have some insurance to protect your vehicle. Different companies offer different degrees of insurance, so don't just assume that they will cover everything. Ask them for details about their insurance.

Some companies may offer increased coverage at a higher price. Make sure to get a paper copy of their insurance policy. You'll need this as proof of their coverage, should there be any disputes. Also, if they make any promises or guarantees about their service, make sure you get them in writing.

Second, your own auto insurance company may offer some protection for shipping. Give your insurance provider a call and check it out. If their insurance is better than what the auto shipper offers, then you're already in good shape.

Lastly, you may choose to select an independent auto insurance company to cover your vehicle while it's in transit. You can purchase this short-term insurance either to cover everything or just the things the auto shipper or your regular auto insurance company won't cover. For example, if your auto shipper doesn't cover water damage, and you wanted to be extra safe, you could purchase coverage for water damage from an independent company.

Things to Remember

There are a few more things you'll need to remember about auto-shipping insurance. They are:
  • The inspection process - Your vehicle will be thoroughly inspected by your auto shipper before it's shipped. You should be present for this. You may even want to take your own photos of the condition of your car. Have your auto shipper sign off that your assessment of your vehicle is accurate. The inspection process will be repeated once your vehicle has reached the destination. If there is any new damage to your vehicle, you'll have the photo evidence along with the shipper's signature as proof in case they refuse to fulfill your claim.

  • Personal belongings - Make sure you remove any personal effects and other loose debris from the inside of your vehicle. Your shipper will not be liable for any items that are lost or damaged or any damage that those items may have done to the interior of your vehicle.

  • Paperwork - No matter whom you get to cover your vehicle while it's being shipped, make sure you have hard copies of all the paperwork involved. This should include insurance policies, the bill of lading, and any other documents that apply to the move. All this paperwork will be crucial if you have to file a claim because of damage done to your vehicle during transit.
Knowledge is your strongest ally when it comes to auto-shipping insurance. Make sure you do as much research as you can before you select a company to ship your vehicle. The more you know about the coverage your vehicle is getting, the smaller the chance will be that you'll end up having to pay for any damage.

Sean McClain  Posted by Sean McClain on August 27, 2009

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