Delayed or Damaged Bags
If your bags aren't on the conveyor belt when you arrive, file a report with the
airline before you leave the airport.
- Insist that they fill out a form and give you a copy, even if they say the bag
will be on the next flight.
- Get the name of the person who filled out the form and a phone number for follow
up.
- Confirm that the airline will deliver the bag to you without charge when it's
found.
Some airlines will give you money to purchase a few necessities. If they don't
provide you with cash, ask what types of articles would be reimbursable, and keep
all receipts.
If a suitcase arrives damaged, the airline will usually pay for repairs. If an item
can't be fixed, they will negotiate to pay you its depreciated value. The same is
true for belongings packed inside. Of course, airlines may refuse to pay for damage
if it was caused by your failure to pack something properly rather than the airline's
handling.
Lost Bags
If your bag is declared officially lost, you will have to submit a second, more
detailed form within a time period set by the airline. The information on the
form is used to estimate the value of your lost belongings. Airlines can limit
their liability for delayed, lost and damaged baggage, however, they must
prominently display a sign that explains the limit. Generally, the maximum an
airline pays on lost bags and their contents is limited to $2,800 per passenger
on domestic flights, and $1,000 per passenger for checked baggage on international
flights.
If the airline's offer doesn't fully cover your loss, check your homeowner's or
renter's insurance to see if it covers losses away from home. Some credit card
companies and travel agencies also offer optional or even automatic supplemental
baggage coverage.
On those trips when you know you're carrying more than the liability limits, you may
want to ask about purchasing "excess valuation" from the airline when you check in.
Of course, there is no guarantee the airline will sell you this protection. The
airline may refuse, especially if the item is valuable or breakable.
Protect Your Valuables
The only way to be sure your valuable possessions are not damaged or lost is to
carry them onboard and keep them with you. Items you should plan to pack in
your carry-on luggage include:
- Small valuables (such as cash, credit cards, jewelry, cameras,
personal computers)
- Critical items (medicine, keys, passport, business papers)
- Irreplaceable items (manuscripts, heirlooms)
- Fragile items (eyeglasses, glass containers)
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