When your car is being shipped, it is typically insured by the shipping company, but there are some important details to understand:

1. Carrier-Provided Insurance

• Basic Coverage: Byroad Logistics vets the carrier, who provide basic insurance coverage as part of their service. This insurance typically covers damage that occurs during transit, such as scratches, dents, or other issues caused by the carrier.
• Liability Limits: The coverage provided by the carrier usually has liability limits, which can vary. For example, the carrier might insure the vehicle for up to a certain amount, such as $50,000 or $100,000. Check the specific limits of the carrier's insurance policy to ensure it is adequate for your vehicle's value.

2. Additional Coverage

• Supplemental Insurance: If the carrier's basic insurance doesn’t fully cover the value of your vehicle, you can often purchase supplemental insurance either through the shipping company or a third-party insurance provider.
• High-Value Vehicles: For luxury, classic, or exotic cars, it’s often recommended to get additional coverage to ensure full protection.

3. Your Own Insurance

• Personal Auto Insurance: Some personal auto insurance policies may cover your vehicle while it is in transit, but this varies by policy. It’s a good idea to check with your insurance provider to see if your policy includes coverage during shipping and what the terms are.
• Gap in Coverage: If your personal insurance policy offers coverage, it may fill in any gaps not covered by the carrier’s insurance.

4. Insurance Documentation

• Review the Contract: Before shipping your vehicle, carefully review the contract provided by Byroad Logistics to understand the insurance coverage they offer. Make sure you have a copy of the insurance policy details.
• Inspection Report: Most companies will conduct an inspection of your vehicle before loading it onto the carrier. This report is crucial because it documents the condition of the vehicle before shipping, which is necessary for any insurance claims.

5. Filing a Claim

• Damage Process: If your vehicle is damaged during transit, Byroad Logistics will file a claim with the carrier’s insurance. The process typically involves providing the inspection report, photos of the damage, and other documentation.
• Timeliness: Claims often need to be filed within a certain time frame after delivery, so inspect your vehicle as soon as it arrives and report any issues promptly.

Summary

• Carrier Insurance: Usually included, with liability limits.
• Additional Insurance: Available for higher-value vehicles or additional peace of mind.
• Personal Insurance: Check your policy for coverage during transport.

It’s always best to clarify the specifics with the Byroad Logsitics and your insurance provider before your vehicle is shipped.