How Much Does Auto Transport Insurance Actually Cover When Your Car Gets Damaged?

Shipping a car. It's a big deal. You want it to arrive safe and sound. But what happens if something goes wrong? What does auto transport insurance actually cover? I'm Mike, Logistics Manager here at AMG Transport Co. Let's cut through the noise.

The Real Deal on Auto Transport Insurance

When we talk about auto transport insurance, we're mostly talking about the carrier's insurance. This isn't your personal car insurance. That usually won't cover damage during transport. Carriers are required to carry insurance. It's the law. But understanding what it covers, and more importantly, what it doesn't cover, is key.

Carrier Liability: The Basic Coverage

Every legitimate carrier will have liability insurance. This protects your vehicle against damage caused by their negligence during transit. Things like an accident, a dropped load, or improper securing of the vehicle. This is standard. It's what keeps the industry moving.

What About Deductibles?

Just like your car insurance, carrier insurance often has a deductible. This is the amount you'll pay out of pocket before their insurance kicks in. Deductibles can vary. They are typically higher than what you might expect from personal auto insurance. Knowing the deductible upfront is crucial. A good auto transport broker, like AMG Transport Co., will ensure you have this information clearly.

Common Exclusions: Don't Get Caught Off Guard

This is where many people get burned. Carrier insurance has exclusions. Lots of them. Here are some common ones:

• Acts of God: Things like hail, tornadoes, floods, or earthquakes. If a tree falls on the carrier during a storm, that's often excluded.
• Road Hazards: Potholes, flying rocks, or debris that cause minor dings or chips. These are often considered wear and tear from the road.
• Pre-Existing Damage: Any damage your vehicle had before transport. This is why a thorough inspection and VIN scan is vital before loading. At AMG Transport Co., we document everything. It protects you and the carrier. We use detailed VIN scans at pickup and delivery.
• Mechanical Malfunction: If your car breaks down during transport but wasn't damaged by the carrier, that's rarely covered. This includes fluid leaks or engine issues.
• Personal Items: Don't leave valuables in your car. Carrier insurance covers the vehicle itself, not your golf clubs or laptop. Empty your car out.

Open vs. Enclosed Transport and Insurance

Your choice of transport affects potential risks and, by extension, insurance claims. For example, open car carrier transport cost is lower, but your vehicle is exposed to the elements. You might see more minor dings from road debris. Enclosed auto transport for luxury cars offers more protection. It shields your vehicle from weather and road grime. Owners of classic car transport enclosed carrier services recognize this value. If you're shipping a luxury vehicle, like those needing our enclosed carrier benefits for exotic cars, the reduced risk of damage is a significant factor. When relocating to Florida ship car from Texas, considering enclosed versus open can make a big difference for high-value vehicles.