Luggage

Frequent travelers know there are risks in checking luggage. There are times, though, when you have no choice, so you should minimize your risks know where you stand if things go wrong.  When problems do occur, the airline will take some responsibility for replacing contents of lost luggage or for repairs due to damage that they cause.  There are limits, however, on how far they will go to settle a luggage claim. These limits are part of your contract and vary by carrier.  The following usually apply:

1. The liability limit on lost, damaged, or delayed luggage for domestic travel is $1,250 per passenger on aircraft of more than 60 seats. This also applies to flights on smaller aircraft, which are included on the same ticket with larger planes. This is the most an airline will pay to settle a claim for your entire luggage, regardless of how great your loss may actually.

2. Some airlines offer "excess valuation" insurance. The charges vary, but are usually $0.50 to $2 for every $100 in coverage.  Even then, it applies only when luggage is in the custody of the airline.  If your bag has been damaged or doesn't show up, do not leave the airport until you have reported the problem!

3. Make sure that you get a copy – along with the name of the person who took your report – for your documentation of your claim.  If a loss of contents is subsequently discovered later, report if immediately as well.

If Your Luggage is Delayed

Most airlines authorize the airport staff to offer money for emergency, out-of-pocket expenses (toilet articles and some clothing) if your luggage is delayed.  The offer is normally quite low, as the airline usually hopes to have your luggage to you within hours.  These factors are considered:

1. You usually receive more if you're away from home.   The purpose of your trip is also taken into consideration.  For example, they may arrange for formal clothing or sports equipment rental for the engagement you might miss as a result of your luggage being delayed.

2. The length of the anticipated delay is important:  if you luggage is reunited with you in less than 24 hours, you're unlikely to receive more than a token reimbursement.  If it takes days, or weeks, you can probably justify more.

3. If you must buy a lot of clothes, the airline will probably pay half the cost.  If you insist on full reimbursement, the airline may ask for the items back before reimbursing you.

If Your Luggage is Lost

If you luggage is lost, file a claim before leaving the airport!

You have 21 to 45 days to file, but the more quickly you get the wheels turning, the better off you'll be.  You must submit a list of the lost items, where they were purchased, and the actual cost.  At his point, the airlines become arbitrary and infuriating.  Airlines tend to be suspicious of fraud.  (This is why it pays to know the difference between being assertive and confrontational).  Some tactics seem designed to wear you down.  Be prepared to maintain to defend the legitimacy of your claims.  Keep a copy of your claim (allow copies to made, but always maintain possession of the original documents), your luggage checks, and a copy of the airline ticket.  This is your only proof that you were on the flight, so safeguard them well.  Then, brace yourself...

• Some claims departments