Insurance claims against scam movers may require some special procedures to insure that you get compensation for your lost and damaged goods.

The classical moving scam includes a low ball moving cost estimate followed by rapid escalation of the price, after the goods are loaded onto the truck. With virtually all moving scam companies, your goods will be put into storage, until the move is subcontracted to the delivery company.

When your possessions finally reach the destination they have passed through the hands of at least two moving companies, and one storage facility, and are probably going to be damaged and broken, with many items missing.

The basic requirements for filing a claim include making an immediate inventory of the damage, in the presence of the truck driver, and getting him to sign. The next two steps are based on regulations detailed in the Carmack Amendment, and preserved for nearly 90 years by the Federal laws and regulations governing interstate moves.

Federal law mandates a nine month waiting period, when all you can, and must do is file a grievance with the moving company, allow them to investigate the complaint, and go through any arbitration process recommended by them. If you don’t put in your complaint, in a timely fashion, than you lose the right for subsequent claims. The next step, should the moving company be unwilling to come to terms with you, is to put in a claim in civil court. However, by law, you must wait until the end of the 9 month negotiation period before going court

The last step is particularly pertinent to people who have been victimized by a scam outfit. But it isn’t that hard to do. The victim must track down the insurance carrier the mover was using when he moved the goods. I say “was using,” because many scam movers will have multiple company names, and will often change their insurance policy or carrier. This last step must actually begin before the move, because all homeowners moving with a lesser known carrier must be sure the company making the mover has active license. Because if not, they won’t have insurance either.

Before the move, check the company’s DOT number, and look it up on the FMCSA website. Check their status on the BBB website, and follow any instructions recommended by the BBB for ascertaining if the carrier is actively licensed.

A handy way to track down a company’s insurance carrier is to use the FMCSA web site. Go to web address

http://lipublic.fmcsa.dot.gov/LIVIEW/pkg_menu.prc_menu , and put in the DOT number of the company, and their MC number and you should be able to pull up their current insurance record. The FMCSA web site not only lists the carrier’s current insurance, but also previous insurance policies, and dates. You must claim your money based on the insurance policy the company had at the time they moved you.

Just as a reminder, all of these steps taken after the move is over, won’t help at all if you didn’t make a packing list and have it signed by the mover before the move began. If movers do not agree on the Inventory and value of the items you moved, they can claim you subsequently falsified the insurance filing by asking money for goods that were never moved or were damaged before the move. Finally, keep in mind, all of these stpes won’t help at all if you didn’t make a complete packing list, and go over it with the movers on moving day.

And you will only be entitled to .60 a pound compensation for your goods, unless you contracted with the movers to insure all or part of the value of the items you moved.

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