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Explore key transport insurance options to protect your vehicle during shipping. Learn what’s covered, what’s not, and how to choose the right policy.
When shipping your car to or from Florida, one of the most important things to understand is transport insurance. It protects your vehicle while it’s being moved by a professional auto carrier. Still, many people book a service without fully knowing what kind of insurance is involved or what it actually covers.
Transport insurance provides financial protection in case your vehicle is damaged, stolen, or affected by a problem during the shipping process. Every professional auto carrier is legally required to carry liability insurance. This is a good starting point, but it doesn’t always offer full protection.
For example, if a branch falls on your vehicle during transport, or if someone scratches the paint while loading it, you’ll want to be sure those situations are covered. The kind of coverage a company offers can vary depending on the service type, the carrier’s policy limits, and whether you’re using an open or enclosed trailer.
Florida is a major hub for vehicle transport. People move cars in and out of the state year-round — whether it’s for a seasonal move, a new job, or buying a car out of state. That kind of volume also means that occasional accidents, road hazards, or weather delays are bound to happen.
Without proper coverage, even a small incident could cost you hundreds or thousands of dollars. On the other hand, knowing you’re protected helps reduce stress and makes the process feel much safer.
If you’re booking a car delivery service in Florida, ask about the specific coverage provided before confirming your reservation.
There are a few different types of insurance that come up in auto transport. Here’s what you should know:
Carrier Liability Insurance:
This is the basic coverage that all licensed carriers must carry. It usually covers damage caused by the driver or during the loading process. However, this type of insurance often has a limit that might not match the value of your car.
Cargo Insurance:
Cargo insurance is a separate policy that covers the vehicle being transported. Most serious auto carriers include it in their services. This insurance usually applies to accidents, theft, or damage during transit. Still, it’s important to check the policy limit per vehicle and whether there’s a deductible.
Personal Auto Insurance:
In most cases, your personal auto insurance doesn’t cover damage during transport. It’s a good idea to call your provider and ask, but you’ll likely need to rely on the carrier’s coverage or purchase extra protection.
This depends on the value of your car and your personal comfort level. If you’re shipping a newer, high-end, or classic car, buying extra insurance through a third-party provider could be a smart choice.
Before the driver picks up your car, take a few minutes to prepare. This can help protect you later if anything goes wrong.
Doing these things gives you a clear record of your car’s condition before transport. If damage does occur, you’ll have everything you need to support a claim.
Sometimes, things don’t go as planned. If your car arrives with damage, stay calm and take the following steps right away:
Most claims need to be filed quickly after delivery, so don’t wait too long to get started.
Transport insurance is an essential part of any auto shipping service. It protects your vehicle while it’s out of your hands and gives you a backup plan in case something unexpected happens. Don’t assume all companies offer the same coverage. Ask questions, get the details in writing, and take a few simple steps to protect yourself.
If you’re looking for a professional, insured transport service that’s been helping customers move vehicles safely and efficiently, East Coast Auto Haulers is a trusted choice.
Call (844) 931-8774 to get a quote and speak with a team member who can walk you through the process.
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