How to Secure Auto Transport Insurance Protection - Guide

When shipping your vehicle, ensuring its safety during transit is a top priority. This is where auto transport insurance coverage comes into play, providing peace of mind that your vehicle is protected against damages. 

Under the Federal Motor Carrier Safety Administration (FMCSA) regulations, all auto transport carriers are required to have insurance coverage.

Auto Transport Insurance Protection

Auto transport insurance covers your vehicle from the moment it is loaded onto the carrier until it is delivered to the destination. This insurance is mandatory and ensures that any damage occurring during transport is covered by the carrier's insurance policy.

How Auto Transport Insurance Works

Here’s a breakdown of how this coverage works:

1. Mandatory Coverage: 
   The FMCSA requires all auto transport companies to have liability insurance. This policy covers damages to your vehicle during transit, such as dents, scratches, and more serious damage. The amount of coverage can vary, so it’s important to ask your transport company about their specific insurance policy. 
2. Bill of Lading: 
   The process of enabling insurance coverage starts with the Bill of Lading. This document serves as a receipt and a contract between you and the auto transport company. It includes important details about your vehicle and the terms of the transport.
   

Completing Vehicle Condition on the Bill of Lading

To ensure that your vehicle is properly covered, you need to complete the Bill of Lading with the driver at both the pick-up and delivery points:

• Inspection at Pick-Up: 
  Before your vehicle is loaded onto the carrier, conduct a thorough inspection with the driver. Note any existing damage on the Bill of Lading and take photographs as evidence. Both you and the driver will sign this document, agreeing on the vehicle's current condition.
• Inspection at Delivery: 
  Upon delivery, inspect your vehicle again for any new damage. Compare the vehicle's condition with the notes and photos taken during the initial inspection. If there is any new damage, it should be noted on the Bill of Lading.

Filing a Claim in Case of Damage

If you notice damage after delivery, the first step is to contact your transport company right away and provide your Bill of Lading along with any photos taken during pickup and delivery inspections. The company will then begin the claims process with their insurance provider, so it is important to ask what documentation is required to keep things moving smoothly. Once the claim is submitted, the insurance company will review the damage and determine compensation. This process may take some time, so staying in regular contact with your transport company helps ensure you receive updates and proper resolution. 
More: How to File an Auto Transport Damage Claim

Understanding how auto transport insurance works is essential for protecting your vehicle during transit. By completing the Bill of Lading with the driver and promptly contacting your transport company in case of damage, you can ensure that any issues are addressed and resolved efficiently. This mandatory coverage provides the reassurance you need when shipping your vehicle, complying with FMCSA regulations, and safeguarding your investment. Contact Viceroy Auto Transport now for more information.

Learn more about auto transport insurance → Auto Transport Insurance