What Insurance Deductibles Do You Actually Pay When Your Car Gets Damaged During Shipping?
Shipping your car comes with risks, and understanding your financial responsibility is crucial. Many car shippers don't realize they're on the hook for the first several hundred dollars of any repair bill. Let's break down the real costs you'll face.
How Carrier Insurance Deductibles Actually Work
The $250-$500 Reality
Most auto transport carriers carry insurance with deductibles ranging from $250 to $500 per claim. This means if your vehicle sustains $800 in damage, you'll pay the first $500 out-of-pocket before their coverage kicks in.
Common Damage Scenarios and Your Actual Costs
- Minor Rock Chip: $150 repair cost = You pay $150 (since it's below your deductible)
- Door Ding Repair: $350 repair cost = You pay $350 (still below deductible)
- Scratch Repair: $600 repair cost = You pay $500 (your deductible) + Carrier pays $100
What Most People Don't Consider
Paint and Clear Coat Damage
Professional paint correction for luxury vehicles can cost $400-$800 for a single panel. If your deductible is $500, you're responsible for the entire repair bill.
Why Deductibles Matter More Than You Think
Even with carrier insurance, you're typically responsible for the deductible amount first. This applies to most damage claims during transport.
Insurance Coverage Limitations
Many policies don't cover:
- Cosmetic damage under the deductible amount
- Pre-existing conditions not documented
- Personal items left in vehicle