Before agreeing to have a company ship your car, ask for a copy of the transport company's insurance policy. Your vehicle(s) should be insured against damage and
theft by your car transport company.
Ask if the carrier's insurance is primary or secondary to your own insurance
in the event of damage during car transport. Also ask if there is a damage
deductible – get all guarantees in writing.
In addition to the coverage offered by the car shipping company, your own car insurance may cover your vehicle in transit
– check with your car insurance company to verify. Look for exclusions on both policies.
Keep in mind
that many car transport companies may discourage or prohibit you from
leaving personal articles in your vehicle. Any personal articles left
in the car are not insured – your home policy may cover these articles,
but you should check with your home insurance agent to verify.
Also inquire if the insurance covers time that your vehicle is sitting in a lot between transports, and ask if after factory accessories, like spoilers, radios and alarm systems are covered.. Your car transport company may or may not cover
damage.
