Who’s Liable for Damaged Cargo?

Trucking freight from location to location can come with many different risks. From losing cargo to damaged packages, getting in an accident to missing a stop, there are many different liabilities that come with hauling cargo.

But, since the job must be taken care of, trucking companies and their drivers need to get on the road and make sure they’re protected from stop to stop. When damaged cargo does occur, it’s best to have the right motor truck cargo insurance in place to protect not only the financial loss gained through damaged goods but the reputation of a company trying to keep things rolling.

A Look at Carrier Liability

Carrier liability is used to describe when a carrier is responsible for shipment losses, damages or delays. Shipment losses, damages and delays that may have been a result of an act of the shipper or an act of the inherent nature of the goods that was not a result from the carrier’s negligence are considered here.

For a carrier to be held liable for loss or damaged goods on board, the shipper must prove that their freight was in good condition before it was loading into the carrier’s possession. Shippers have to file their claims within nine months of the delivery or the date upon which delivery should have been initially made.

Bill of Lading

If the shipper can prove without a doubt that a carrier received the goods in an undamaged state and delivered them damaged or even lost, the carrier will be liable unless there are exclusions attached. Damage should be documented through images and documentation and is required by the carrier. The notations made on the bill of lading at the time of pickup and delivery become vital to make everything accounted for.

Liability and Freight Insurance

Carriers should be holding some type of insurance designed to cover cargo loss, such as motor truck cargo insurance. The coverage amount is determined by the carrier and is usually dependent on the type of commodity the carrier usually transports on a regular basis. There is cargo loss or damage insurance that can cover the full value of the goods being shipped, but in some instances, it is possible that the amount covered is less than the actual value of the goods being hauled.

About Western Truck Insurance Services

Western Truck Insurance Services is a commercial truck insurance agency with roots dating back to 1954. We have evolved into a highly respected, professionally managed, truck and transportation insurance brokerage. The hallmark of our organization is our desire to provide unparalleled service. We go way beyond what you expect to receive from an insurance brokerage. Equipped with state of the art automation, Western Truck Insurance can provide you with lightning fast truck insurance quotes, customer service, Insurance certificates, and coverage changes.