The insured value of used vehicles can easily overlook the difference between salvage value and the market-value benchmark. Ugandan dealers should compare the policy, coverage scope, deductible, pre- and post-shipment images, and notification records against purchase cost and market value at arrival, and confirm whether the indemnity basis is invoice value, replacement value, or appraised value. Any underinsured portion should be clearly placed on an exception list and handled under the principle that insurance proceeds do not replace the contractual allocation of cargo-damage liability. How Does Shipping Insurance Cover Vehicle Damage?. If cargo damage occurs after arrival, first notify the carrier and insurer under the policy process, then assess the allocation of liability.