Does Your Car Need Insurance?
Does Your Car Need Insurance?
If you are like most people, your car is probably second to your home in the list of your most expensive assets. As a result, you probably have an insurance cover against theft, fire, accidents and other such damages.
What most people fail to realize is that the moment you load this car on your moving company’s car carrier to be transported to your new home, your insurance policy will not provide you with the kind of cover you expect. You should also choose your moving company carefully. They are some that will include a waiver in their contract negating them from any liability caused by damage on your vehicle during transit.
So, while your car does need to have an insurance cover as it is being transported; below are things you should do to ensure that you are well protected.
Talk to your auto insurance company first
Your auto insurance policy could be providing a cover for your vehicle while it is being transported by a moving company, but don’t assume that it is there. Contact your insurance company and ask if you are protected. If it is covered, ask about any requirements or special conditions to observe during transportation.
Ask your car shipping company for proof of insurance
If the moving company will be giving the moving services with an insurance cover, ask them to give you a document that proves that you are covered. Get everything in writing so that you will have an easy time if you need to make a claim. You can also ask to be shown a valid insurance certificate and the process of making a claim.
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Ensure that your car interior doesn’t have any loose items
Most long distance car movers will not cover any damage on the car interior. It is therefore a good idea to ensure that everything is properly fastened and in its rightful place. You don’t want things to become airborne during the trip.
Inspect your car before handing it over
The car mover will need to inspect your car before accepting it. It is a good idea to be present at this inspection so that you can verify that any notes made on the condition of the car are accurate. You can also take photos for your own reference.
When the vehicle has been delivered, make sure you do an equally thorough inspection before signing the bill of lading. If need be, check the photos you took before handing over to ensure that there are no new defects or scratches. Once it is signed, the bill of lading indicates that the transfer is complete and that you are satisfied.
When transporting an asset as valuable as your car, it is important to have insurance. If you are lucky, your current insurance policy or your moving company could provide a good enough cover so you don’t have to get a new policy. However, it is important to first check that this is the case to avoid finding yourself in need of a cover and finding that you didn’t have one.