7 Things You Should Know About Auto Transport Insurance

04 Aug.,2025

 

7 Things You Should Know About Auto Transport Insurance

7 Things You Should Know about Auto Transport Insurance

For most Americans, their automobiles are second only to their home as their most expensive commodity and like our homes; we insure our vehicles against accidents, thefts and other possible damages. But, what many people don’t realize is that when they load their vehicles on an auto transport truck for delivery to a new residence, many policies may or may not provide the protection they’re expecting.

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To make matters even more complicated, some auto transport companies include a waiver in their contract negating them of any responsibility for any potential damage your vehicle may accrue while in their possession. Therefore, it’s always wise to double check the car shipping company’s policy prior to agreeing to the contract. Here are seven other things you should know about auto transportation so your car can get where it needs to go without unexpected hassles and costs.

Ask the Car Shipping Company for Proof of Insurance

It’s a law that auto transport companies carry a valid insurance certificate and they should be able to present it when asked to. You should also ask questions related to their policy at this time. Find out if they cover any damage that occurs during the car shipping process, if the entire car is covered or just certain parts or if you will be required to pay a deductible if damage occurs.

Get Everything in Writing

Before you agree to the terms of an auto shipping service, get any special agreements or considerations in writing. This will protect you in the event that something unforeseen happens, especially if they are providing you with a service or agreeing to something that’s not indicated in their regular contract.

Check With Your Auto Insurance Company

Depending on your policy, your own auto insurance company may cover your vehicle while it is in transport, but don’t assume this is so; you have to check to make sure. Ask whether or not your same coverage applies while the vehicle is being shipped and whether or not you have to supply the insurance company with any form of notification from the car shipping company.

Remove Loose Items from the Interior of the Vehicle

Most car shippers will not cover damage to a vehicle’s interior, so to reduce the risk of this happening, remove all of the loose items from your vehicle before handing over the keys. This includes all removable electronics, extra change, CDs or cassettes and anything else that could possibly become airborne. By removing your loose items, you will also reduce the risk of a break-in theft, which is also not covered by most car shipping companies.

Pre-Possession Inspection

Before the auto transport company takes possession of the vehicle, they will perform a thorough inspection of it to make note of any existing damage. If possible, you should be on hand when the inspector performs this inspection. It is also a good idea to take photographs of the vehicle to record its condition prior to the shipping company taking possession of it.

The Bill of Lading

Once the vehicle is delivered, the owner will have to fill out the Bill of Lading, which is essentially a condition report that details the vehicle’s condition upon arrival. Be sure to check the vehicle thoroughly, including the undercarriage. It is also smart to start the engine to check for any signs of mechanical damage. If the vehicle is delivered at night, check it under bright lights so you can see as much as possible because once you sign off on the Bill of Lading, the transfer is complete and if you missed something, the auto transport company won’t be liable. If you find signs of damage, include it on the Bill of Lading and have the driver sign off on it. Afterward, contact the shipping company directly to inquire about reimbursement.

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Where to File a Complaint

If you feel that the auto transportation company failed to provide the services you expected or that they treated you unfairly, you can issue a complaint with your local Better Business Bureau office. If your vehicle was transported over state lines, you may also file a complaint with the U.S. Department of Transportation.

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Avoid Microscratches and Maintain Your Car's Value with a Car Cover

Microscratches on a car's paint can affect its appearance by reducing the shine and overall smoothness of the surface. Over time, these small scratches can accumulate and create a dull or hazy appearance on the paint. 

The scratches' depth and visibility depend on the damage's severity and the car's colour. For example, light-colored cars often show scratches more easily than dark-colored cars. Additionally, the direction of the scratches can also impact their visibility. Scratches that run parallel to the light source will often reflect light differently and be more noticeable than scratches that are perpendicular to the light source. To maintain the appearance of your car, it is important to avoid causing or worsening any scratches, and to regularly wash and polish the paint.

Which materials to choose on your next car cover

When choosing a car cover, look for one made of a soft, non-abrasive material such as cotton, polyester or flannel. Avoid covers made of materials that are rough or have a rough texture, such as canvas or plastic, which can scratch your car's paint. Additionally, look for a cover with a soft, non-scratchy inner lining to further protect your car's finish. It's also important to ensure the cover fits well and has nosharp edges or seams that could potentially scratch the paint. Here are some steps you can follow to avoid causing microscratches:

  • Choose a cover made of soft materials like cotton, flannel, or polyester, which are less likely to scratch the paint.
  • Ensure the cover fits well and is not too tight or loose, as an ill-fitting cover can cause the fabric to rub against the paint and create scratches.
  • Avoid covering the car when it is dirty, as dirt or debris on the car's surface can cause scratches when covered.
  • Make sure the cover has a soft inner lining, and avoid covers with sharp edges or seams that could scratch the paint.
  • Take care when putting the cover on and removing it from the car, as sudden movements or rough handling can cause scratches.
  • Waxing: Waxing your car's paint helps to create a protective barrier that reduces the risk of scratches and other forms of damage. The wax fills in microscopic pores and provides a smooth surface that makes it harder for dirt, dust, and other particles to adhere to the paint, reducing the risk of scratches.

Snow and microscratches

Snow can cause microscratches on your car's paint if it is not removed properly. Here are some tips to avoid snow-related microscratches:

  • Brush off snow gently: Use a soft-bristled brush or snowbrush to remove snow from your car's surface. Brushing too hard or using a stiff-bristled brush can cause scratches.
  • Avoid using hot water: If you need to melt snow on your car, use lukewarm water instead of hot water, as hot water can cause the metal to expand and contract, potentially causing microscopic cracks and scratches.
  • Use a high-quality car cover: Covering your car with a soft, non-abrasive car cover can protect it from snow and other elements that could cause scratches.
  • Keep the car in a garage: Parking your car in a garage or covered area will protect it from snow and other elements that could cause scratches.

A car with a smooth, scratch-free paint finish will generally have a more attractive appearance, which can increase its perceived value and make it more appealing to potential buyers. Scratches can also weaken the paint and increase the risk of rust or other types of damage, which can decrease the overall value of the car.

Follow those tips and you can help reduce the risk of microscratches on your car's paint and maintain its appearance and value over the long term.

Contact us to discuss your requirements of Transport Vehicle Covers. Our experienced sales team can help you identify the options that best suit your needs.