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My mechanic in Reno told me I was wasting $80 on shipping insurance, and I finally get why
Last month I bought a running 1987 Toyota pickup off a guy near Lake Tahoe for $2,200 and needed it hauled down to my place in Las Vegas. I booked through one of those online brokers and the quote came back at $475, which felt fair until the fine print mentioned optional cargo insurance for another $80. I called my mechanic Dave, who has been fixing trucks in Reno for 30 years, and he asked me one question: what does that policy actually pay if the truck gets scratched? I pulled up the terms and realized the coverage maxed out at $500 for cosmetic damage, which is less than a new paint job on one door. Dave told me the real move is to document every panel with photos and a dated video before the driver loads it, because that is what wins a claim, not the extra fee. He has moved four project cars this way and never paid for the add on. So I skipped the insurance, took 40 pictures in the seller's driveway, and the truck showed up in Vegas two days later with one small scuff on the rear bumper that I had already photographed. Has anyone here actually collected on a transport claim, or is it mostly just a fee that makes you feel better?
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