DO YOU CHECK YOUR RIGHTS WITH YOUR BAGS?

When looking at how many pieces of luggage are handled every day and how many conveyor belts the luggage hits and many hands touch it - it is a wonder that more luggage is not lost or damaged. Most of the time the baggage does reach its destination in the same shape it was sent.

Most airlines choose to limit their maximum baggage liability to $1,250 per passenger. It is important to be familiar with the airline's "Conditions of Carriage" so you don't get taken advantage of.

There are two other ways to protect your luggage. You can declare a higher value on your luggage for a fee that is generally based on the declared value. Most airlines limit this declaration to under $5,000. You should also find out about baggage insurance, which is sometimes covered on insurance policies or credit cards. Some homeowner's policies even cover it. Don't assume -- you must check your policy before you hand that suitcase over to the counter agent.

You should always keep hard-to-replace or irreplaceable items on your person. Never pack important medications, family mementoes or expensive jewelry in your luggage. Don't take the chance!