This can be a very scary moment if you are not prepared. Of course, it doesn’t have to be. While you are screening and comparing prices you can put this potential problem to rest before you even get started.
Any trucker/carrier participating in auto transport is required by the FMCSA (Federal Motor Carrier Safety Administration) to have insurance. But the real question is do they have it ?? You can check it out yourself online at the website for the Federal Motor Carrier Safety Administration.
If you are dealing with a Carrier (Trucker) you can simply ask them to fax or email you a copy of their insurance. If you are working with a Broker just ask the Broker and he will be glad to advise you. This is part of the service that a Broker is always happy to provide.
OK, but what happens if my car is in fact damaged during transport ?
Answer: When the car arrives at it’s destination, do not sign the bill of lading until you (or your representative) and the driver inspect the car together. If damage is present that was not there when the car was shipped, note it on the bill of lading before signing and get a copy. Ask the driver for his proof of insurance (you are looking for cargo insurance not liability insurance) All you need do is file a claim with the Carrier’s Insurance Provider along with a copy of the bill of lading that shows the damage (signed by both you and the carrier) and an estimate of repairs from a body shop.
When you discover damage and you are still with the driver, this is the best time to attempt to call his insurance company and ask them for instructions on filing your claim. Most of the time they will simply share with you the steps in doing so. They have no reason to be less than helpful. Don’t worry if you can’t reach them while with the driver, this is a great time to call your Auto Transport Broker, he can assist.
This is a good time to point out the obvious. Household goods (and the damage they cause) are not supposed to be in your vehicle, and are not covered by the truckers insurance according to the Federal Motor Carriers Safety Administration.
Light damage is really not that unusual in the business of transporting vehicles. It is usually handled very easily and routinely. Your car will usually be well taken care of and fixed if damaged. It really is a small problem and with time will go away.
If you are working with an Auto Transport Broker, relax because most of them check out the truckers you will use very carefully during the quoting process. Part of their job is to only select the good guys. You can count on it.
While looking for quotes to compare don’t fail to read out Bob Frost’s excellent articles on things to know when shipping auto transport as a little information can save a lot of cash and grief.