What Questions Should You Ask About Auto Transport Insurance Before Your Car Ships?\n\nWhen you're shipping a car, people often assume insurance is handled. They think everything is covered. This assumption can cost you thousands. Something might go wrong during transport. You need to be proactive about this. This is true whether you're looking for car shipping services Texas or across the country.\n\n## Why Insurance Questions Are Non-Negotiable\n\nBefore you commit to any auto transport company, you must ask specific insurance questions. Don't assume anything. Your personal auto insurance likely won't cover professional transport. Most shippers don't see this coverage gap coming. It can be a real problem.\n\n### The Most Important Questions to Ask\n\n1. \"Is your insurance primary or secondary coverage?\"\n\nThis is fundamental. Primary insurance pays first. Secondary coverage only kicks in after primary policy limits are reached.\n\n2. \"What is the exact deductible amount I'll pay if damage occurs?\"\n\nMost carriers carry cargo insurance. Deductibles range from $250-$500. This means if you have $800 in damage, you pay the first $500. Their coverage then starts.\n\n3. \"What specific types of damage does your policy cover?\"\n\nSome policies are very specific. You need to know what falls under their coverage terms. Don't guess.\n\n4. \"Can you provide a current Certificate of Insurance?\"\n\nAlways ask for proof. A current Certificate of Insurance shows active coverage. This is non-negotiable for any reputable vehicle logistics company Texas or nationwide.\n\n5. \"Does your policy cover custom modifications or aftermarket parts?\"\n\nMany standard policies exclude custom parts. If you have an enclosed auto transport for luxury cars or a classic car transport enclosed carrier, this is even more critical. You need to specify these items up front.\n\n6. \"How do I verify your insurance is active and adequate?\"\n\nYou can often contact the insurance provider directly. Don't rely solely on what the broker or carrier tells you. This is part of how to choose a reliable auto transport broker.\n\n7. \"What documentation do I need for a successful damage claim?\"\n\nKnowing the process upfront saves headaches later. Take detailed photos before and after. This is vital evidence.\n\n## Understanding What's Actually Covered\n\n### Standard Carrier Insurance Limitations\n\nMost legitimate carriers carry $100,000-$250,000 in cargo insurance. But there's a catch:\n\n Rock chips and minor scratches: Often not covered. Damage must exceed the deductible amount to be covered.\n\n Personal items left in the vehicle: Almost never covered. Remove everything valuable. We ship cars, not personal belongings.\n\n### Questions About Your Personal Policy\n\n \"Does my personal auto insurance cover professional transport?\"\n\nMost personal policies do not. Confirm this with your provider before shipping. This prevents an unexpected gap.\n\n \"What's the claims process timeline?\"\n\nKnow how long a claim can take. This helps manage expectations if an incident occurs.\n\n## Critical Questions About Deductibles\n\n### What You Need to Know About Out-of-Pocket Costs\n\nMost carrier insurance policies have deductibles. You must pay these before their coverage applies. This money comes directly from your pocket. If the damage is less than the deductible, you pay it all. An open car carrier transport cost might be lower, but coverage limitations can still apply.\n\n## How to Protect Yourself Financially\n\n### Pre-Shipment Verification Steps\n\nAlways demand:\n\n A Current Certificate of Insurance (COI). This proves active coverage.\n Policy effective dates. Ensure coverage is valid for your transport period.\n Coverage limits. Understand the maximum payout for any claim.\n\nThis verification is key to ensuring auto transport safety record and reputation. We do this for all our vetted carriers. When you're looking for an experienced car shipping broker you can trust, these details matter.\n\n### Questions to Ask About Coverage Gaps\n\n \"What happens if the damage repair cost is less than my deductible?\"\n\nIn most cases, you pay it yourself. There's no getting around this for common carrier policies. This applies to shipping an SUV vs sedan cost difference. The deductible remains relevant.\n\n## Why Working With a Broker Matters for Insurance Verification\n\nAt AMG Transport Co., we only work with vetted, insured carriers. We screen them so you don't have to. You want a Texas based auto transport broker nationwide. We handle the due diligence. We check for proper insurance and good safety records. This takes the guesswork out of finding reliable carriers.\n\nCarriers operate on tight margins. They often avoid direct customer contact. Why? Because dealing with individual problems and paperwork is time-consuming. They focus on driving. We handle the frontend sales, coordinating, and backend systems. We're the buffer. We keep rates reasonable and ensure a stronger customer experience. We also act as a guiding light in a fraud-filled industry. Carriers rely on brokers to solve their customer service problems. Let's be frank: people don't always pay. Carriers that take direct bookings might charge more because of this risk. A good broker, invested in caring for their clients, manages these relationships proactively.\n\n## The AMG Transport Co. Difference\n\nWe believe in transparent insurance verification. We provide honest quotes and clear explanations. This covers what's covered and what's not. We provide a 72-hour pickup window. This helps us ensure efficient scheduling. We use VIN scans for accurate vehicle identification. We process secure deposits via Stripe. We ensure all our carriers are fully insured and vetted. We understand how much does it cost to ship a car cross country and what affects car shipping cost per mile. We aim for affordable car shipping without hidden fees. Whether you're relocating to Florida ship car from Texas or need multi-car transport for families, we manage the details.\n\n## Conclusion: Your Peace of Mind Checklist\n\nBefore your car ships, make sure you have clear answers to these insurance questions. Don't leave your vehicle's protection to chance. Finding an experienced car shipping broker you can trust is crucial. At AMG Transport Co., we make this process clear and simple. We ensure door pick-up and delivery car transport service with peace of mind. We are your expert vehicle transport Texas to California broker. We are the best auto transport company for out-of-state moves.\n\nReady to get an honest quote with full insurance transparency? Get started today at AMG Transport Co.. We handle difficult moves like shipping a non-running vehicle what to know, or luxury vehicle transport enclosed vs open. We handle vehicle shipping for dealerships too. We make comparing auto transport quotes easy.\n\n*Written by Mike Matthews, Logistics Manager at AMG Transport Co.