Car shipping insurance is a provision reputable Arizona auto transport companies make available for car owners to ensure vehicles are covered from potential harm while in transit and to keep the process of shipping a car as stress-free as possible for the owner.
With Arizona auto transport, the shipping service aims to supply a smooth shipment where you can feel confident when turning the responsibility of your vehicle over to their professionals. Transport insurance requires a bit of research to learn the features and understand the coverage.
Generally, three primary types of insurance are involved in the transport process that you’ll need to become familiar with: customer, carrier, and broker. These are responsible for keeping the cars protected while in transit. Let’s dive into each of these to make what can be a complex subject a little more simplified.
What Are the Three Primary Types of Auto Transport Insurance
When transporting a vehicle from Arizona to another state, you want to make sure the car is safe and secure. Many trusted companies supply transport insurance to ensure the autos are protected while in transit and keep the car shipping process as comfortable as possible for you as the car owner.
Typically, three primary insurance types work to protect vehicles on the road, including customers, brokers, and carriers.
While these have the potential to be complex, it’s important to research to understand the intricacies and ask questions if you need clarification. Learn about car shipping insurance at https://www.way.com/blog/car-shipping-insurance/.
Let’s look at each of these individually to explain what they are and why they’re necessary.
- Customer
Customer insurance refers to the basic coverage you need as the car owner. This is something you need to have as the driver of the vehicle and in order to have the auto transported by the shipping service.
If not, it can become a legal issue. Personal insurance provides coverage if you become involved in an accident incurring damage to the auto or if damage occurs when the car is in transit, with the car shipping service as their responsibility.
The coverage is essential in having repairs or replacements necessary to bring the vehicle back to its original condition.
- Carrier
This provision is made by the car carriers. Along with the customer’s plan, this will provide coverage for damage or loss while the auto is the responsibility of a carrier. Damage can readily occur during car shipping for various reasons beyond the driver’s control.
These include severe weather or road conditions causing hazards. As a car owner, it’s vital to ensure the carriers hauling your car offer insurance coverage. You will need to clarify that with the transport company before committing to their shipping services.
If you presume it will be covered by the carrier without confirming this detail, only to find out when damage occurs that there is no insurance from the carrier’s end, you could be stuck with the entire cost.
The problem with that scenario is car carriers are legally responsible for having liability insurance based on US Department of Transportation guidelines.
- Broker
The broker is typically the median person between you and the car carrier. They will sometimes offer third-party coverage. It’s recommended to become familiar with this particular insurance before committing to a car shipping service. It could influence which company you choose to work with.
What Are the Requirements for Auto Transport Insurance
A primary requirement with auto transport coverage is liability along with a Motor Carrier number provided by the Department of Transportation. Cargo insurance is an option, but it’s one that many carriers are encouraged to have as an added layer of security.
Cargo insurance typically assists in covering damage incurred to the auto while in transit after the deductible has been satisfied. The coverage needs to be substantial to meet or exceed the car’s value.
Most trusted car shipping services will provide insurance coverage free of charge for clients up to roughly $1 million with no extra fees or charges to protect the vehicle from damage while in transition to its final destination.
These companies aim to protect the autos in transit, delivering them safely without incident and arriving in the same condition as they were when picked up.
Each company will be different with their insurance provisions, making it necessary to research thoroughly before committing. A priority is to confirm that the carrier is insured before signing any agreements.
These carriers are required to have liability coverage. Make sure that you see evidence of this to confirm. View here to get simplified details on transport coverage.
Final Thought
Some accidents and incidents will be out of the driver’s control, including severe weather or flying debris from the roadway. In many cases, natural occurrences won’t be covered by the carrier’s coverage but would need to be claimed by your personal policy.
Insurance can be complex. It’s important to review every detail with the company before signing the agreement to ensure you understand the terms and conditions before sending your car off for transport.
