What is the Insurance Requirements When Having Your Car Moved?
An automobile is among the most valuable commodities you can own. Buying one takes time and discipline in saving. We all made sacrifices to buy our cars. Combine this with the convenience it provides; you have every reason to take good care of it. Apart from carrying out auto repairs, you also safeguard your vehicle against damage, theft, and accidents. All these measures are in order. Unfortunately, you could be ignorant of the reality that perhaps your insurance policy does not cover the car while on freight.
In other instances, your auto moving contractor may waive taking responsibility for damages incurred in transit. Such a contractual deviation can work to your disadvantage. Before handing over your car, inquire about the transporter’s insurance policy. Confirm that it covers vehicles in their possession. Where there are loopholes, consult your insurance broker and seek clarification. Other insurance requirements include:
Auto transporter’s liability
In most cases, an insurance policy will only cover the vehicle for the duration it is on the auto mover’s truck. Where the company takes the car from your house and drives it to their yard, there might not be insurance coverage. If an accident occurs, your insurer could reject the claim, and if they settle, they will increase your premiums.
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The extent of your policy cover
Auto insurance policies differ with some offering full protection for damages while others place a cap on the amount. Find out from your insurance provider which type of plan they assigned. Ask whether you might have to acquire additional cover and for how much. Expensive or rare cars may require you to increase your premiums. If relocating to another state, request for registration and insurance procurement deadlines.
Before they take your car away, the auto mover should inspect your vehicle. Ensure that you are present when the examination takes place and request for a copy of the report. Also, photograph the car from different angles as proof of its condition before shipment. Later, when the vehicle reaches its destination, recheck it to confirm that it has arrived in the same situation as when the shipping firm took it away.
Where an auto mover subcontracts work, the second or third parties involved must have adequate cover. Everyone that handles your car during its journey must have a policy. To avoid complications, hire a moving company that has taken full insurance against transit damages irrespective of the parties that handle the process.
By counter-checking an auto transporter’s insurance coverage, you avoid a scenario where you have no recourse in the event of damage. Confirm your policy cover too and fill in the gaps, if any. Be present when the shipper inspects the vehicle before taking it away. After that, obtain a copy of the inspection report. Take pictures of the car for later verification that it arrived while intact. Lastly, where the subcontractor is involved verify that they too have adequate insurance cover for the work.