What Happens If Your Car Gets Stolen During a Move?

Moving to a new city or state is already a stressful experience, and shipping a car across the country adds another layer of complexity. But what happens if your car gets stolen during transit? Understanding your rights, responsibilities, and options can help you navigate this unfortunate situation with confidence.

Key Highlights

• Immediate Response is Crucial – Reporting the theft to the police, transport company, and insurance provider right away can increase the chances of recovering your vehicle.
• Insurance & Liability Matter – Understanding your insurance coverage and the transport company’s liability policies can determine the compensation you receive.
• Preventative Measures Help – Choosing a reputable transport company, using an enclosed trailer, and tracking your vehicle can significantly reduce the risk of theft.

Immediate Steps to Take

If you discover that your car has been stolen while in transit, take these immediate steps:

1. Contact the Auto Transport Company – Notify the shipping company about the situation. They might have information about the car’s last known location.
2. File a Police Report – Report the theft to the local authorities where the car was last tracked. Provide details such as the make, model, VIN, and transport route.
3. Check the GPS Tracker – If your car has a tracking device, use it to locate the vehicle or provide data to the police.
4. Notify Your Insurance Company – Contact your insurance provider to initiate a claim if theft is covered under your policy.
5. Gather Documentation – Keep a record of all communication, including emails, contracts, tracking updates, and receipts to assist in the investigation and claim process.

Understanding Liability & Insurance Coverage

Liability in car theft during shipping depends on various factors, including your transport company’s policy and your personal insurance coverage.

• Auto Transport Company’s Insurance – Reputable companies provide insurance coverage for damages and theft. Check the contract terms to see if theft is included.
• Personal Car Insurance – Comprehensive coverage may protect against theft during transportation. Verify with your provider if your policy applies.
• Gap Coverage & Additional Protection – Some owners opt for extra insurance from the transport company or third-party insurers for added security.
• Review the Bill of Lading – This document serves as a contract between you and the transport company, detailing the condition of the car before shipping. Ensure you review and understand its terms before signing.

How to Prevent Car Theft During a Move

While car theft during transport is rare, taking precautions can help minimize the risk:

• Choose a Reputable Transport Company – Research and verify credentials, customer reviews, and insurance policies before hiring.
• Use an Enclosed Trailer – Enclosed transport offers more protection than open carriers, reducing the risk of theft.
• Disable the Car’s Ignition – If possible, disable the ignition system or remove the battery to make theft more difficult.
• Remove Valuables – Never leave personal items or documents inside the vehicle.
• Track Your Vehicle – Install a GPS tracker for real-time location updates.
• Opt for Door-to-Door Shipping – This service minimizes unnecessary stops and reduces the risk of theft compared to terminal-to-terminal shipping.
• Check Security Measures – Ask the transport company about their security policies, including driver background checks and storage facility security.

What Happens If the Car is Not Recovered?

If the authorities are unable to recover your car, follow these steps:

1. Work With Your Insurance Provider – Submit all required documents and cooperate with the claims process.
2. Understand Compensation Limits – Depending on your policy, your payout may be based on the car’s current market value, depreciation, or agreed-upon value.
3. Explore Legal Options – If the transport company failed in its duty to protect your vehicle, you might have grounds for legal action.
4. Consider a Replacement Vehicle – Once the claim is settled, you may need to search for a replacement vehicle using the insurance payout.

How to Choose a Safe Auto Transport Company

To minimize the risks associated with shipping a car across the country, consider these key factors when selecting a transport provider:

• Verify Licensing & Registration – Check if the company is registered with the Federal Motor Carrier Safety Administration (FMCSA).
• Read Customer Reviews – Look for consistent positive car shipping feedback and avoid companies with frequent complaints about damages or delays.
• Request Insurance Details – Confirm what their policy covers and whether additional protection is needed.
• Compare Pricing – While cost matters, avoid choosing the cheapest option at the expense of quality and security.
• Ask About Tracking Services – Reliable auto shipping companies provide GPS tracking to monitor your car’s location in real time.

Final Thoughts

Shipping a car across the country requires careful planning, and while theft is unlikely, it’s important to be prepared. By selecting a reliable auto transport company, securing proper insurance coverage, and taking preventive measures, you can ensure a smoother and safer vehicle relocation experience.

If you’re in the process of moving, always prioritize working with professional and insured auto transport services to protect your investment. Taking these extra steps now can save you significant stress and financial loss later.