Keep Your Auto Haulers Safe with the Best Coverage

There’s a reason our clients consistently send their friends to us for their insurance; they know we’ll work to get their auto haulers the best coverage possible.

A car carrier is a large investment that can pay off well over time. Car carriers are expensive, and if damaged in an auto accident, the repairs can really put a dent in your bottom line.

When you own a car hauling business such as transport companies, car dealerships, or repossession companies, to name a few, you need to purchase various types of insurance related to vehicle transport. And it’s not just your truck you have to worry about. If anything were to happen to any of the cars or commercial trucks you are hauling, it would come out of your paycheck.

When vehicles are involved, there is a new element of risk introduced in business operations. To mitigate this risk for business owners, commercial auto insurance (usually through an insurance agent of an insurance agency or an independent insurance agent) becomes an essential requirement. It can buy you peace of mind and keep your business going forward smoothly.

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Auto Hauler Insurance FAQs

Damaging New Cars

Being that one of the most common hauled vehicles are new cars, they pose a big liability risk. Should there be any damage to a brand new car, there is a huge difference between the cost to repair damage to a new vehicle versus the reduced amount it must be sold for after being fixed. 

If the roof of a car is damaged during transport, the repair may cost only $6000 (but also consider towing expenses!) However, at the same time, the car value may have gone down by $10,000. If this happens to several cars on a single haul, it can quickly add up to tens of thousands of dollars. Hence, insuring your hauler contributes significantly to your overall business insurance as well. 


Brand new cars are a major target for thieves, who may attempt to steal entire vehicles or raid them for parts. This can make leaving vehicles unattended problematic, and many insurance companies will not cover auto theft from a truck that has been left unattended, even for a short time period. Therefore, you need to make sure that your auto insurance policy is properly covered for theft, even including unattended cars.

General Liability Insurance 

Liability insurance is required by law in most states, and many states will not issue your truck permits and licenses without this basic level of protection. Liability insurance is there to pay for injuries and damages inflicted on other people when you are at fault in an auto accident. This coverage includes bodily injury and property damages.

Comprehensive Physical Damage Protection 

Comprehensive damage protection provides coverage for almost all conceivable hazards and perils your truck might encounter aside from collision and rollover events. Comprehensive protection covers you for theft, for example, and pays for the cost of repairs if your truck is damaged in a storm. If vandals spray paint the side or slash the tires, comprehensive coverage pays for those repairs too.

Property Damage 

This coverage will help pay for the damages that happened to the other vehicle. The property damages portion of your auto liability coverage pays the repair bills and can pay for the replacement of property that is destroyed.

Cargo Coverage 

The cargo that you transport on your car carrier is quite valuable. Protect it from loss with cargo insurance coverage.

Uninsured Motorist Coverage

Uninsured or underinsured motorist coverage protects you from losses that are caused if you get into an accident where the other driver doesn’t have insurance or doesn’t have enough insurance. If the driver at fault does carry liability insurance, but it is not enough to pay for all of the damages and injuries inflicted by the accident, your uninsured motorist policy will make up for the differences.

Bodily Injury Coverage

Bodily injury coverage pays for physical injuries and harm that is inflicted as a result of an auto accident. For example, if you were driving your car carrier and bumped into another car, injuring the people in the other vehicle, your bodily injury coverage will cover medical payments that arise for the people injured in the other vehicles. This includes standard medical bills such as hospital transport and emergency room care. It also includes physician’s bills, prescription medications, and rehabilitative care, as well as losses in wages if they have to take time off work for recovery.

Collision Damage Protection 

This coverage is designed to take care of your truck if your car carrier turns too sharply into a truck stop and scrapes the side of a building and gets damaged or if it collides with another object. Collision damage protection will pay for the cost of the repairs.

Unattended Truck Coverage

Truckers are required by law to rest regularly when traveling long distances. Leaving the truck unattended opens it up to the risk of damage or theft. Protect yourself from this risk with unattended truck insurance. 

As with any other vehicle insurance, the cost will depend on a number of factors. Generally speaking, it’s somewhat expensive to insure these vehicles due to the added liability of multiple cars, heavier weight, and distance traveled. Agencies will issue differing insurance quotes based on the (types of) coverage you require. Car hauler insurance costs can range from $800 to $1400 per month. 

There are many factors that go into determining your insurance rate:

  • The size and type of car hauler you have
  • The nature of your business
  • How many vehicles you may be hauling regularly
  • The type of vehicles you will be hauling (Are they damaged? New? Used?)
  • Whether you’re hauling locally or across state lines
  • The location of your business
  • The number of car haulers you’re insuring

You can usually get a free quote with the insurers so that you know what you are dealing with and then determine which offer gives you the best coverage. Some of the expenses for an insurance policy might be deductible from your taxes also.

Keep in mind that all of the commercial trucks must have a liability insurance policy that covers mainly damages caused to other individuals by your driver or you and also injuries that may occur during the incident. Liabilities are a must pay in every single state; trucks that always cross the state line should ensure that they have met a federal mandate payment.

The liability insurance minimum payment solely depends on the truck’s weight class and the materials being ferried. For instance, a class A truck, yes a semi-truck with a weight of about 10,000 pound and ferrying hazardous goods should ensure that it makes a minimum liability insurance cover of $ 1 million as opposed to a truck below the 10,000-pound mark, but it carries normal commodities should also pay a minimum insurance payment of $300,000.

Trucks ferrying explosive commodities should make a payment of $5 million in the liability coverage policy, regardless of their weight. This is apart from the primary liability coverage that is required by the law.

Car hauling could be one of the lucrative but also complicated things you can do in the world of commercial auto. However, the best car hauling insurance package can help you stop worrying about the potential issues on the road. If you want to haul cars, you need an insurance package that protects you from two significant problems: damaging new vehicles in the process and theft of new cars.

The first part would ensure that you do not have to pay for the accidents during the hauling process. On the other hand, the second part will protect your investment from the huge issue of theft. In addition to these, car hauling insurance must also cover property damage, cargo coverage, bodily injury, collision damage protection, comprehensive physical damage protection, and liability insurance.

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