What Happens If the Carrier Damages My Car During Shipping?

Transporting your car across the country is generally safe and efficient, especially when working with a trusted auto transport company. However, what happens if the carrier damages your car during shipping? While damage during vehicle transport is relatively rare, it’s important to be prepared for the worst-case scenario. This guide walks you through everything you need to know — from documenting your vehicle’s condition to filing a claim, understanding your insurance coverage, and getting compensated fairly. Why Damage Happens During Car Shipping Even the most professional carriers can encounter problems on the road. Here are some common causes of vehicle shipping damage: Road debris or flying rocks hitting the carSevere weather such as hail, high winds, or snowImproper loading or unloading Human error from drivers or loading staffMechanical failure of tie-down equipment or trailer componentsOpen transport exposure on multi-vehicle trailers Understanding these risks can help you choose the best transport method and minimize the chances of damage. Common Types of Damage During Auto Transport Not all shipping damage looks the same. Here are the most frequent types reported: Scratches and paint chips from road debris or contact with other vehiclesDents from tight loading spaces or misaligned rampsBroken mirrors, antennas, or lights Underbody scrapes from steep loading anglesWindshield cracks, especially during cross-country movesTire or wheel damage from shifting or faulty tie-downs Identifying what kind of damage you’re dealing with helps in assessing the repair cost and filing an accurate claim. Step 1: Inspect and Document Before Shipping Before your car gets picked up, do a full visual inspection: Wash your car so existing blemishes are visible.Take high-resolution, time-stamped photos of every angle.Focus on close-ups of bumpers, mirrors, wheels, and windows.Remove all personal items and loose accessories.Review and sign the Bill of Lading (BOL) – the legal document that lists your car’s condition at pickup. Pro tip: Use a checklist to mark specific blemishes and compare them to the delivery condition later. Step 2: Inspect Again at Delivery — Before Signing When your vehicle is delivered: Inspect the entire vehicle thoroughly, ideally in daylight.Compare the car’s condition to your pickup photos and BOL.Note any new damage on the delivery BOL before signing.Take new photos of any damage right away.Once you sign the BOL without noting the damage, it becomes much harder to prove it occurred during transport. Step 3: Understand Auto Transport Insurance All legitimate auto transport carriers must carry liability insurance to cover damage caused during shipment. Here’s what you need to know: Insurance Type What It Covers Notes Carrier Liability Physical damage caused by the transporter Required by FMCSA Cargo Insurance Broader coverage for enclosed transport Often higher limits Supplemental Coverage Optional gap coverage for full-value replacement Offered by brokers Always ask your shipping provider for: A Certificate of Insurance Coverage limits (e.g., $100,000 vs. $1M)Any exclusions, especially for high-value vehiclesIf you’re shipping a luxury or antique car, consider using enclosed auto transport, which reduces exposure and typically comes with higher insurance coverage. Step 4: How to File a Vehicle Shipping Damage Claim If your car arrives with new damage, don’t panic — follow these steps: Document the damage with photos and notes on the delivery BOL.Notify the carrier or broker immediately — within 24–48 hours.Request the insurance provider’s contact info.File your claim directly with the insurer or through the transport company.Submit:BOL (pickup and delivery)Pre- and post-transport photosRepair estimates from certified mechanicsCooperate with the insurer’s investigation.Keep all communication in writing (email) to track your case. What If the Carrier Refuses Responsibility? Sometimes, carriers or their insurers deny claims. Common reasons include: You signed the BOL without noting the damageYou waited too long to report itThe damage is listed as excluded in the policyThe carrier blames road hazards or mechanical failure Here’s what you can do: Dispute the claim in writing with evidenceContact the FMCSA to file a complaintSpeak to your personal auto insurance provider Use small claims court for damages under a certain thresholdHaving a reputable car shipping broker on your side can make this process much easier, as they often help mediate claims. How to Protect Yourself Before Shipping You can’t control everything, but you can minimize your risk of shipping damage: ✅ Choose a fully licensed and bonded auto transport company✅ Opt for enclosed transport for classic or high-end vehicles✅ Confirm insurance coverage in writing ✅ Avoid putting personal items in the car — they’re not covered✅ Don’t rush — give yourself time to do a proper inspection at delivery Final Thoughts: Most car shipments are completed without a hitch, but accidents can happen. The key is preparation: inspect, document, ask questions, and act quickly if anything goes wrong. By working with a professional, fully insured carrier and knowing what to do in case of an issue, you can rest easy — knowing your vehicle is in good hands and you’re protected if something goes wrong.