What You Need to Know About Auto Insurance

When considering Canada auto transport, you will always have many questions lingering in your mind about the coverage for your vehicle when under shipping. It is always a shocker for many Canadians to find out that they will have to dig into their pockets to cater for damages that might have been occasioned by the shipping process and which they thought the shipping company would take care of.

To avoid such situations, it pays to have a clear understanding of what is covered and what is not covered from the moment your vehicle is loaded onto the auto transport truck for shipment to your new destination. Here is what you need to know as far as the auto insurance is concerned:

Demand to see proof of insurance from the car shipping company

It is a legal requirement for every Canada auto transport company to have a valid auto insurance certificate and they ought to provide it upon request. As a client entrusting them with the safe shipment of your vehicle, you should demand to see this policy and request to be told in terms that you can understand the particulars covered by the policy. It is of interest to you to know what kind of damages are covered, if the whole car is covered or just a few parts and whether you will be requested to pay deductibles should there be any damages.

It is always a good idea to counter check with your auto insurance company

Depending on the policy you hold, your insurance may offer certain coverage when the vehicle is being transported, but you should not assume and this is why it is always a good idea to call them and confirm the specifics of the coverage when your vehicle is being transported.

Loose items shipped inside the car are never covered

Most of the Canada auto transport companies will never cover damages to the interior of the car. This applies to any items shipped with the car and this is why you are encouraged to remove any loose items from the car’s interior before shipping. Theft of any form of the interior accessories is also not covered and this is why it is recommended that custom accessories such as GPS systems, DVD players, cassettes, CDS and other lose items should be removed before the shipping.

Always be present during pre-possession inspection

Before the auto shipping company assumes possession of the car, they will conduct a thorough inspection and take note of existing damages. For insurance purposes and for the sake of dispute resolution, you should be present during the inspection so that both of you agree on the condition of the car. In some instances, taking photographs is highly recommended so that you can have clear records of the car’s condition prior to shipping.

When to make claims

Should there be damages which you feel the insurance should take care of, you should file claims immediately once the car is delivered. The damages should be well captured in the Bill of Landing, which you should also attach a copy when submitting the claim. There is always a timeline within which such claims ought to be filed and you are recommended to do it as soon as possible.