Courier companies have to always contend with insurance issues; otherwise it would be completely impossible for them to stay in business. There is a large amount of risk associated with the courier industry. First of all, any kind of business which involves commercial vehicles always has a larger risk of being involved in a traffic accident. This is just a statistical fact because of the increased number of hours vehicles are on the road when they are being used in a professional capacity. The average car that is used by a San Antonio courier service is going to likely be on the road anywhere from 8-10 hours per day, if not more, as opposed to the one or two that most people might spend in their cars. This means that they are exposed to many more accidents or potential accident situations, which is one of the number one reasons that courier companies have to be so careful to carry as much insurance as they can.
First off, courier companies need to insure all of their vehicles. Because of the added risk that they face, it is normal for them to insure them in every way that they possibly can. This is going to be different
depending on the state that the vehicles are registered in. Insurance laws differ from state to state and different types of coverage are available based on the area you live in, such as insurances designed to protect against collisions with uninsured drivers, or no-fault insurance policies. It is usually safe to assume that a courier is going to have every possible protection. However, if you are unsure, there is nothing wrong with asking them outright what kinds of coverage they have on their vehicles.
There is also a different kind of insurance which only those who deal in the transportation industry have to worry about. This is courier insurance, which is actually designed to insure not the vehicles or the drivers, but the goods which are being transported. This is how you are protected when shipping something with a courier company. When your goods are damaged in an accident, stolen, lost, or otherwise damaged, they will typically be covered under this additional type of insurance that all couriers are going to carry on their shipments. Again, don't be afraid to inquire about details, especially about the maximum value covered by the policy in case your goods are worth considerably more than that amount.
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