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Are there any insurance considerations when shipping a car in California?

Published by Joe Webster.

What's in this article?
  1. Auto Transport Insurance in California
  2. Evaluating Your Existing Auto Insurance Coverage
  3. Choosing the Right Insurance Coverage for Your Car Shipping Needs
  4. How to Handle Insurance Claims in Case of Damage
  5. Conclusion
Are there any insurance considerations when shipping a car in California?

When it comes to shipping a car in California, one of the first questions many people ask is, "Are there any insurance considerations when shipping a car in California?" It's a valid concern, as your vehicle is not only an investment but also an essential part of your daily life. This article aims to shed light on the insurance requirements and considerations you need to be aware of when choosing a car shipping service in the Golden State. Understanding these aspects will help ensure that your vehicle is protected throughout its journey.

Indeed, there are significant insurance considerations to keep in mind when shipping a car in California. Every reputable auto transport company is required by law to have liability insurance and cargo insurance to cover any damages that might occur during transportation. However, the coverage limits set by the auto transport company's insurance might not fully cover the value of your vehicle. Therefore, it's crucial for car owners to inquire about the specifics of the insurance coverage offered by the car shipping company. Additionally, you might find it necessary to contact your own auto insurance company to discuss if your current policy provides any protection for your vehicle during transport, or if purchasing additional coverage is advisable.


Auto Transport Insurance in California

Navigating the ins and outs of auto transport insurance in California can seem daunting at first. Essentially, there are two main types of insurance coverage provided by car shipping companies, liability insurance and cargo insurance. Liability insurance protects against any damage caused by the transporter's negligence, while cargo insurance covers damages to your vehicle while it's in transit.

It should be pointed out that the state of California mandates specific minimum coverage amounts for these insurances, but these minimums may not fully cover high-value vehicles. That's why verifying the extent of the car shipping insurance provided by the auto transport company is crucial. Ask for a copy of their insurance certificate and consider contacting the insurance provider directly to confirm the coverage details.

Moreover, don't hesitate to reach out to your own auto insurance company. Some policies may offer additional protection for your vehicle during transport, or you might have the option to add temporary coverage. Understanding the overlap between your policy and the transport company's can save you from unnecessary costs and provide peace of mind.

In conclusion, while every reputable auto transport company will offer some form of insurance coverage, the responsibility lies with you, the vehicle owner, to ensure that the coverage is adequate for your car shipping needs in California. Taking the time to verify and understand these details can prevent headaches and financial strain should any issues arise during transport.

Evaluating Your Existing Auto Insurance Coverage

Before you hand over your car keys to an auto transport company, it's wise to take a closer look at your existing auto insurance policy. Many car owners might not realize that their policy could offer some form of protection for their vehicle during the transport process. However, coverage can vary significantly from one auto insurance company to another, and not all policies are designed to cover your car while it's being shipped.

To get a clear picture, contact your insurance company directly and ask specific questions about auto transport. Inquire whether your current policy includes protection for your vehicle when it's in the care of car shipping companies and what the terms of that coverage are. It's also important to ask about any potential auto insurance coverage costs that might arise from claiming transport damage. Understanding these details can help you decide if you need to purchase additional transport insurance for your vehicle.

Remember, while your auto insurance might offer some protection, relying solely on your personal policy without understanding its limitations could leave you exposed to unexpected financial risks.


Choosing the Right Insurance Coverage for Your Car Shipping Needs

Selecting the appropriate insurance coverage for shipping your car in California is crucial for safeguarding your investment. After verifying what your own auto insurance covers, you might find that purchasing additional car transport insurance is necessary, especially if your vehicle is particularly valuable or if you're shipping a classic car.

When discussing additional insurance with car shipping companies, ensure you understand the difference between liability and cargo insurance. Liability insurance covers any damage caused by the transporter's actions or negligence, while cargo insurance protects against damages to your vehicle during transit. Ideally, you want a policy that provides comprehensive coverage, ensuring that any potential damage is covered.

Here are a few car shipping insurance tips to keep in mind:

  • Ask for detailed information about the auto transport insurance protects offered by the shipping company, including any deductibles and coverage limits.
  • Consider the value of your vehicle and whether the provided insurance is sufficient to cover potential losses.
  • Get everything in writing. Verbal assurances are not enough when it comes to insurance coverage.
  • By carefully choosing the right insurance coverage, you can ensure that your vehicle is protected at every step of the shipping process.

How to Handle Insurance Claims in Case of Damage

Despite all precautions, damage during transport can sometimes occur. Knowing how to handle insurance claims efficiently can make a significant difference in resolving such situations. If you notice any damage to your vehicle upon delivery, it's important to act immediately.

Start by documenting the damage with clear photos from multiple angles. These images will serve as evidence when filing a claim with the auto transport company or your insurance company. Next, report the damage to the auto transport company as soon as possible, following their procedure for claims. This typically involves filling out a claim form and providing the necessary documentation of the damage.

Simultaneously, contact your own auto insurance company to report the incident, especially if you'll be seeking coverage through your personal policy. They will guide you through their claims process and what information they require to proceed.

Remember, the key to a smooth claims process is thorough documentation and prompt communication. By understanding the steps to take and keeping detailed records, you can navigate the claims process with confidence, ensuring that you're compensated for any damages to your vehicle during transport.

By addressing these insurance considerations—from evaluating your existing coverage to choosing the right car shipping insurance, and knowing how to handle claims—you can ensure a more secure and stress-free auto transport experience in California.



Understanding and managing insurance considerations is crucial when shipping a car in California. From verifying the auto transport company's liability and cargo insurance to evaluating your own auto insurance coverage, taking proactive steps to ensure your vehicle is adequately protected is essential. Remember, the goal is not just to ship your car but to do so with the peace of mind that comes from knowing it's covered against potential damages. By being informed and prepared, you can navigate the car shipping process smoothly and with confidence.

If you're planning to ship a car in California and want to ensure you have the best insurance coverage for your vehicle, contact A1 Auto Transport today. Our team is dedicated to providing comprehensive insurance coverage options tailored to your specific needs, ensuring your peace of mind throughout the shipping process. With A1 Auto Transport, you can count on superior customer service and a commitment to the safety and security of your vehicle. Get in touch with us now to get a quote and learn more about how we can make your car shipping experience worry-free.

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Joe Webster always knew the auto transport industry would be a great career option. And with decades of experience, Joe is now an established consultant for A1 Auto Transport.

Joe was born in Santa Cruz, California. During high school, Joe worked as a mechanic; a job continued to work part-time during his bachelor's degree.

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There are a lot of options for auto transport these days, which surprisingly makes it harder to find a good company. I received more than 10 offers to ship my car, but I couldn’t decide on any of them... Fortunately, I made the right choice with A1 Auto Transport.

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We give A1 Auto Transport a big 10 out of 10! We chose them to move our car from California to Vermont, since we needed professionals.

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A-1 Auto Transport is a disclosed agent for the following shipping companies:

CSI Logistics
435 Division Street
Elizabeth, NJ 07201
FMC 22206
Intl Cargo
45 Campus Drive
Edison, NJ 08837
NO. 17858N
Trans Global Auto Logistics, Inc.
3401 E Randol Mill Rd,
Arlington, TX 76011
NO. 018191NF
CFR Rinkens
15501 Texaco Avenue
Paramount, CA 90723
NO. 013055NF
ABC Worldwide LLC
2840 NW 2nd Ave #105
Boca Raton, FL 33431
NO. 025472F
ShipYourCarNow LLC
1160 South Rogers Circle Suite 1
Boca Raton, FL 33487
NO. 025646
Merco Air & Ocean Cargo, Inc.
6 Fir Way
Cooper City, FL 33026
NO. 021869F
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