Car Shipping Insurance
Neon Auto Transport - Insurance
| Transport Type | Insurance Coverage | Ideal For |
|---|---|---|
| Open Carrier | Up to $250,000 | Daily drivers, standard vehicles |
| Enclosed Carrier | Up to $500,000 | Luxury, classic, or exotic vehicles |
| Door-to-Door Service | $250K–$500K | All types; based on carrier and value |
What is Auto Transport Insurance?
Auto transport insurance protects your vehicle during shipping. It covers damage, theft, or loss while your car is in the hands of a licensed carrier whether transported on an open trailer or in an enclosed truck.
For example, shipping a luxury SUV from California to Florida can expose it to risks such as weather damage or road debris. Auto transport insurance ensures financial protection by covering repair or replacement costs under the carrier’s policy, typically ranging from $100,000 to $500,000.
Neon Auto Transport Insurance Offer
Neon Auto Transport offers insurance options that vary by transport type for example, open or enclosed carriers and by vehicle value. Every shipment is covered by FMCSA compliant liability insurance, providing financial protection throughout transit.
Open Carrier Auto Transport Insurance – Up to $250,000
Open auto transport insurance covers vehicles valued up to $250,000 against transport related damage, including road debris, weather exposure, and loading or unloading incidents.
Claims Process:
All damage must be noted on the Bill of Lading (BOL) at pickup and delivery.
Claims must be submitted within 7 business days of delivery with photos.
The vehicle should be inspected upon arrival for faster claim resolution.
Personal items are not covered under open auto transport because carriers are licensed for vehicles only, not household goods.
Enclosed Auto Transport Insurance – Up to $500,000
Enclosed auto transport insurance protects vehicles valued up to $500,000. It is ideal for classic, exotic, and luxury cars that require weatherproofing and protection from road conditions.
Claims Process:
Coverage applies only to damage sustained inside the enclosed carrier or during loading/unloading.
Reported damage must not be listed on the pickup BOL.
A signed Proof of Delivery (POD) and photo documentation are required.
Custom parts, aftermarket accessories, and personal belongings are excluded unless declared and pre-approved.
Door to Door Auto Shipping Insurance – $250,000 to $500,000
Door to door auto shipping insurance offers coverage from $250,000 to $500,000 depending on vehicle value and transport method (open or enclosed carrier). This protection applies from curbside pickup to final delivery.
Claims Process:
Insurance begins when the carrier takes possession of the vehicle and ends once the POD is signed.
Deliveries outside publicly accessible areas may limit coverage due to unloading restrictions.
Coverage applies only to the vehicle itself, not external property damage (e.g., falling objects at the delivery site).
Expedited Car Shipping Insurance – Up to $500,000 Coverage
Expedited auto transport insurance provides liability coverage up to $500,000 for vehicles shipped on urgent schedules. Available for both open and enclosed carriers, this option ensures your vehicle is prioritized for faster delivery.
Claims Process:
Vehicle condition must be recorded on the BOL at pickup.
Claims must be filed within 72 hours of delivery with supporting photos.
A delivery-day inspection is required for claim approval.
Expedited auto transport guarantees faster shipping but does not eliminate inspection or claim requirements.
Items inside the vehicle, aftermarket accessories, and undocumented modifications are excluded under expedited transport insurance.
How Car Transport Insurance Works?
Car transport insurance safeguards your vehicle from pickup to delivery. Coverage begins when the carrier takes possession of the car and remains in effect until it is signed for and released at the drop off location.
Key Coverage Principles
Carrier Responsibility:
Car transport insurance covers damages caused by the carrier’s negligence, accidents, or weather-related conditions. Coverage also includes incidents that may occur during loading and unloading. (Note: full weather protection is available only when the vehicle is shipped in an enclosed carrier.)
FMCSA Compliance:
All licensed auto transport carriers are required by the Federal Motor Carrier Safety Administration (FMCSA) to maintain liability insurance. This regulation ensures financial protection for vehicle owners and accountability for transport companies. Typically, open carriers provide up to $250,000 in coverage, while enclosed carriers offer protection up to $500,000.
Insurance Activation:
Coverage begins once the vehicle’s condition is documented during the Bill of Lading (BOL) inspection at pickup. This documentation serves as the official record for any claims filed at delivery.
Claim Process: Step-by-Step
| Step | Action | Purpose |
|---|---|---|
| 1 | Initial Inspection – Conducted at pickup and recorded on the BOL. | Documents pre-existing condition. |
| 2 | Final Inspection – Performed at delivery with the customer present. | Confirms new damage (if any). |
| 3 | Damage Reporting – Customer notifies carrier within 24–72 hours. | Triggers insurance response. |
| 4 | Submit Evidence – Include timestamped photos and signed BOL. | Validates claim authenticity. |
| 5 | Carrier Files Claim – Through their insurance provider. | Initiates payout or resolution. |
| 6 | Resolution – Repair cost reimbursed or service arranged. | Closes the insurance claim cycle. |