What insurance coverage do carriers provide?

All licensed auto transport carriers in the United States are required by federal law to carry a minimum of $750,000 in liability insurance. Additionally, most carriers carry cargo insurance that specifically covers vehicles in their possession during transport. This means your vehicle is insured from the moment it is loaded onto the carrier until it is delivered to you. Your personal auto insurance becomes secondary coverage while the vehicle is on the truck.

The carrier's cargo insurance covers physical damage to your vehicle during transit — dents, scratches, broken glass, and other damage that occurs while the vehicle is being transported. Coverage limits vary by carrier but typically range from $100,000 to $250,000 per vehicle. We verify insurance coverage for every company we work with before its offers reach you, so you can be confident that the company handling your vehicle has active, adequate insurance.

It is important to understand that carrier insurance covers damage that occurs during transport — not pre-existing damage or issues unrelated to the shipping process. This is why the pre-pickup inspection and Bill of Lading documentation are so critical. The condition report created at pickup establishes the baseline, and any new damage discovered at delivery can be attributed to the transport and claimed against the carrier's insurance.