Transporting freight from one location to another involves various risks, ranging from cargo loss to damage, accidents to missed stops.

When cargo damage occurs, having the appropriate motor truck cargo insurance in place is essential. Lucky for you, our expert brokers in insurance and our cutting-edge digital app can steer you to reliable insurance solution for all your insurance needs. - GET A QUOTE TODAY.

Motor Truck Cargo Insurance

MTC insurance, sometimes referred to as cargo insurance, is the essential insurance that protects truckers against claims related to the property they haul. MTC insurance covers transported cargo in the event of theft, fire, or collision during transit. Liability comes into play when damage occurs due to factors other than the trucker’s negligence.

Your premium, or the amount you pay to insure your cargo is generally a fraction of the actual value of the cargo. At LuckyTruck, we are experts in MTC Insurance so reach out to us for questions about getting coverage.

Carrier Liability

Carrier liability refers to the trucker’s responsibility for losses, damages, or delays in the shipment process. This liability encompasses situations where shipment issues come up due to actions taken by the shipper or as a result of the condition of the goods. To hold a trucker liable for damaged or lost goods, the shipper must demonstrate that their freight was in good condition before it came into the trucker’s possession. Shippers are typically required to file claims within nine months of the delivery date or the original scheduled delivery date.

Bill of Lading

The bill of lading plays a pivotal role in determining liability. If the shipper can unequivocally prove that the carrier received the goods in undamaged condition but delivered them damaged or missing, the carrier is usually held liable, unless specific exclusions apply. Proper documentation of damage, including photographs and written records, is essential and often required by the carrier. Notations made on the bill of lading at the time of pickup and delivery are crucial for establishing the condition of the cargo.

Conclusion

Understanding liability for damaged cargo in the trucking industry is essential for both the truckers and shippers. Proper documentation, including the bill of lading, is crucial in determining liability. Carriers should maintain MTC insurance to protect against losses and damages, ensuring the safe and reliable transport of goods while minimizing financial risks.

At LuckyTruck, our expert brokers in insurance and our cutting-edge digital app can steer you to reliable insurance solution for all your insurance needs. - GET A QUOTE TODAY.