Customer Reviews

What You Need to Know About Auto Transport Insurance

Posted on 08/01/2023

When shipping your vehicle to a different location, having the right insurance coverage can give you peace of mind. However, understanding auto transport insurance can be confusing. This article is a comprehensive guide to transport insurance covering everything from how it works and types of policies available to factors affecting insurance costs and why it’s important to have auto transport insurance.
 


car-shipping-insurance

 

How Auto Transport Insurance Works

 
Transport insurance is vital for individuals and businesses dealing with shipping vehicles. In particular, auto transport insurance, a sub-category of cargo insurance, is essential for ensuring your vehicle is protected during transportation.
 
Transport insurance typically covers damages to your vehicle while a transport company is shipping it. Car transport companies are required to provide basic liability insurance with the cost of shipping, but they also offer additional coverage options during the booking process. Adding comprehensive insurance provides more extensive shipment coverage for any damages not covered under liability insurance.
 
Liability insurance is an essential aspect of auto transportation. Transport companies should have a liability insurance policy that covers damage to other vehicles or property due to an accident involving their transport equipment. This type of coverage is critical for protecting all parties involved.
 
When selecting a transport company for your vehicle, it’s essential to ensure they have the appropriate levels of cargo insurance coverage. Choosing a carrier with inadequate cargo insurance coverage could lead to additional out-of-pocket expenses in the event of damage during transit.
 
Sometimes, your existing car insurance policy may provide coverage during vehicle transport. However, it’s best to check with your car insurance provider to determine whether your policy offers the necessary protection for auto transport.
 
Work with a reliable transport broker to ensure the best car transport experience possible. A competent transport broker will partner with reputable transport companies and verify their insurance coverage on your behalf, providing your vehicle is protected throughout the transportation process.
 
Additionally, auto insurance is essential for a transport company. Car carrier insurance can cover any damage during the loading or unloading of your vehicle, including damage caused by operator error or the typical risks associated with vehicle transportation.
 

Can you transport a car without insurance?

 
While it might be technically possible to transport a car without insurance, the high level of risk involved makes it a poor choice. Instead, always ensure a valid insurance policy when transporting a vehicle to eliminate financial and legal risks.
 
You’ll be held financially responsible if any harm comes to your vehicle during transport without insurance coverage. This could mean paying for repairs or replacements out of pocket, which can significantly strain your budget. Furthermore, attempting to transport a car without insurance can lead to legal complications. Some states and countries require proof of insurance.
 

Types of Vehicle Transport Insurance

 
Car shipping companies offer various types of vehicle transport insurance to ensure adequate protection for your vehicle during its transportation. Understanding the differences between these insurance policies is crucial for making an informed decision when choosing a car transport company. This section will discuss carrier, primary, and broker insurance and provide insights into what these policies cover and the factors that affect vehicle transport insurance costs.
 

Carrier Insurance

 
Carrier insurance is the most common vehicle transport insurance offered by auto transport companies. As required by law, all carriers must have insurance coverage to protect the vehicles they transport. This insurance policy covers any damages that may occur to your vehicle while it is in the carrier’s possession, such as during loading, unloading, or while in transit. Some carriers may have additional insurance requirements, but at a minimum, a car shipping company must meet the federal cargo insurance coverage standards.
 

Primary Insurance

 
Primary insurance, also known as vehicle transport insurance, is the primary insurance policy that covers your car during transportation. The vehicle transport or your insurance company typically offers this type of insurance. Primary insurance provides additional protection beyond carrier insurance by covering damages that may not be included in the carrier’s insurance policy, such as theft, vandalism, or natural disasters.
 

Broker Insurance

 
Broker insurance is a type of insurance that is offered by vehicle transport brokers rather than carriers. If you are using an auto transport broker to arrange your vehicle transport, they may offer to provide you with additional insurance coverage, either as a standalone policy or as a supplement to the carrier’s insurance. A good understanding of the transport broker’s insurance policies is vital, as they can vary significantly from one broker to another.
 

What do these insurance policies cover?

 
While the exact coverage details may vary, transport insurance policies generally cover damages caused by accidents, theft, vandalism, and natural disasters. These can include:
 

  • Collision damage during transport

  • Theft or vandalism while the vehicle is in the possession of the carrier

  • Damages caused by natural disasters such as floods, hurricanes, or earthquakes

  • Damage during loading and unloading of the vehicle

 
It is crucial to review each insurance policy’s specific coverage and any limits and deductibles before deciding which insurance options to choose during vehicle transport.
 

Factors Affecting Auto Transport Insurance Costs

 
Like regular auto insurance, several factors can impact the cost of transport insurance, including your vehicle’s value and condition, shipping distance and route, and the carrier service used. Understanding these factors will help you make informed decisions about your insurance coverage and ensure your vehicle’s protection during transport.
 

Vehicle’s Value and Condition

 
The value and condition of your vehicle can significantly affect the cost of your vehicle transport insurance. More expensive vehicles usually warrant higher insurance premiums, as the potential cost of repair or replacement is higher. Similarly, if your vehicle is in poor condition or has pre-existing damages, insurance companies may charge higher premiums for the increased risk of damages during transportation.
 
To minimize the impact of these factors on your insurance costs, accurately disclose the current state of your vehicle to the insurance company or transport broker and obtain an estimate tailored to your specific situation.
 

Shipping Distance and Route

 
Longer shipping distances and routes with higher risks can also affect the cost of transport insurance. Routes that involve traveling through high-crime areas or regions prone to natural disasters can increase insurance premiums as the likelihood of damages increases. Including additional service features such as enclosed carrier services may also raise insurance costs due to their additional protection.
 
It is essential to discuss your shipping route and any unique risks associated with it when requesting insurance quotes to obtain accurate pricing for your transport insurance policy.
 

Type of Carrier Service Used

 
The type of carrier service you choose for your vehicle transport can also impact the cost of insurance. Enclosed carriers, which protect your vehicle from the elements and potential damages, can result in higher insurance premiums than open carriers. However, the additional cost may be worthwhile if you transport a high-value or luxury vehicle, as it offers added protection and peace of mind.
 
When comparing vehicle transport insurance options, consider the importance of the added protection that enclosed carriers offer against the potential increase in premiums to determine the best option for your situation.
 
By understanding the different types of auto transport insurance available and the factors that impact their costs, you can make informed decisions about your coverage options and ensure the protection of your vehicle during transportation. Be sure to research and compare multiple insurance policies and carriers, and consult with your auto insurance company to determine the best options for your vehicle transport needs.
 

Why is Auto Transport Insurance Important?

 
Auto transport insurance plays a crucial role in safeguarding your valuable investment. Here are some reasons why having auto transport insurance is essential:
 

  • Ensures Financial Protection: Vehicle transport insurance can save you from potential financial losses due to unforeseen events such as accidents or theft. Without adequate insurance coverage, you may have to bear the burden of repairing or replacing your vehicle.

  • Peace of Mind: Knowing that your car is covered during transportation can provide peace of mind. You can rest assured that you will be compensated for the damages in the event of any mishap.

  • Compliance with Legal Requirements: In many countries, the law mandates vehicle transporters to have minimum insurance coverage. Auto transport insurance ensures that your car shipping company meets these legal requirements.

  • Maintains Vehicle Value: If your vehicle gets damaged during shipping and you have adequate insurance coverage, the insurance claim can help maintain your car’s value by compensating you for the repairs.

 

The Role of Auto Transport Brokers and Auto Insurance Companies

 
Auto transport brokers are essential in helping you secure the best insurance coverage for your vehicle. They act as intermediaries between you and the vehicle transport company, ensuring you receive the best possible service and insurance coverage. Brokers can provide information about various auto transport insurance options available in the market and help you compare the features and pricing of different policies.
 
On the other hand, auto insurance companies are responsible for providing vehicle transport insurance policies. They assess the risks of shipping your vehicle and calculate the premium accordingly. When choosing an auto insurance policy, it’s crucial to work with a reputable company that understands the intricacies of vehicle transport insurance.
 

Choosing a Car Transport Company with Adequate Insurance Coverage

 
When selecting a car shipping company, it’s vital to ensure that they have adequate insurance coverage options to protect your vehicle during transportation. Here are some tips to help you choose a car transport company with sufficient insurance coverage:
 

  • Verify the Carrier’s Insurance: Ask the car shipping company for their insurance certificate and verify their coverage details. Ensure the insurance policy is current and sufficient to cover the value of your vehicle.

  • Research the Company: Conduct thorough research on the car shipping companies you’re considering. Read customer reviewsand verify their registration with the Department of Transportation.

  • Ask for Recommendations: Seek advice from friends, family, or online forums with car shipping experience. They can provide valuable insights into their experiences with different car shipping companies and their insurance coverage.

 

Final Thoughts

 
In conclusion, auto transport insurance is crucial to safeguard your vehicle during shipping. It’s essential to compare different insurance coverage options and choose the best policy that meets your needs. Seek the assistance of a reliable vehicle transport broker and work with a reputable auto insurance company to ensure that your vehicle is adequately protected during transportation. Remember, a well-informed decision can help minimize risks and provide peace of mind throughout auto-shipping.

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What You Need to Know About Auto Transport Insurance

Posted on 08/01/2023

When shipping your vehicle to a different location, having the right insurance coverage can give you peace of mind. However, understanding auto transport insurance can be confusing. This article is a comprehensive guide to transport insurance covering everything from how it works and types of policies available to factors affecting insurance costs and why it’s important to have auto transport insurance.
 


car-shipping-insurance

 

How Auto Transport Insurance Works

 
Transport insurance is vital for individuals and businesses dealing with shipping vehicles. In particular, auto transport insurance, a sub-category of cargo insurance, is essential for ensuring your vehicle is protected during transportation.
 
Transport insurance typically covers damages to your vehicle while a transport company is shipping it. Car transport companies are required to provide basic liability insurance with the cost of shipping, but they also offer additional coverage options during the booking process. Adding comprehensive insurance provides more extensive shipment coverage for any damages not covered under liability insurance.
 
Liability insurance is an essential aspect of auto transportation. Transport companies should have a liability insurance policy that covers damage to other vehicles or property due to an accident involving their transport equipment. This type of coverage is critical for protecting all parties involved.
 
When selecting a transport company for your vehicle, it’s essential to ensure they have the appropriate levels of cargo insurance coverage. Choosing a carrier with inadequate cargo insurance coverage could lead to additional out-of-pocket expenses in the event of damage during transit.
 
Sometimes, your existing car insurance policy may provide coverage during vehicle transport. However, it’s best to check with your car insurance provider to determine whether your policy offers the necessary protection for auto transport.
 
Work with a reliable transport broker to ensure the best car transport experience possible. A competent transport broker will partner with reputable transport companies and verify their insurance coverage on your behalf, providing your vehicle is protected throughout the transportation process.
 
Additionally, auto insurance is essential for a transport company. Car carrier insurance can cover any damage during the loading or unloading of your vehicle, including damage caused by operator error or the typical risks associated with vehicle transportation.
 

Can you transport a car without insurance?

 
While it might be technically possible to transport a car without insurance, the high level of risk involved makes it a poor choice. Instead, always ensure a valid insurance policy when transporting a vehicle to eliminate financial and legal risks.
 
You’ll be held financially responsible if any harm comes to your vehicle during transport without insurance coverage. This could mean paying for repairs or replacements out of pocket, which can significantly strain your budget. Furthermore, attempting to transport a car without insurance can lead to legal complications. Some states and countries require proof of insurance.
 

Types of Vehicle Transport Insurance

 
Car shipping companies offer various types of vehicle transport insurance to ensure adequate protection for your vehicle during its transportation. Understanding the differences between these insurance policies is crucial for making an informed decision when choosing a car transport company. This section will discuss carrier, primary, and broker insurance and provide insights into what these policies cover and the factors that affect vehicle transport insurance costs.
 

Carrier Insurance

 
Carrier insurance is the most common vehicle transport insurance offered by auto transport companies. As required by law, all carriers must have insurance coverage to protect the vehicles they transport. This insurance policy covers any damages that may occur to your vehicle while it is in the carrier’s possession, such as during loading, unloading, or while in transit. Some carriers may have additional insurance requirements, but at a minimum, a car shipping company must meet the federal cargo insurance coverage standards.
 

Primary Insurance

 
Primary insurance, also known as vehicle transport insurance, is the primary insurance policy that covers your car during transportation. The vehicle transport or your insurance company typically offers this type of insurance. Primary insurance provides additional protection beyond carrier insurance by covering damages that may not be included in the carrier’s insurance policy, such as theft, vandalism, or natural disasters.
 

Broker Insurance

 
Broker insurance is a type of insurance that is offered by vehicle transport brokers rather than carriers. If you are using an auto transport broker to arrange your vehicle transport, they may offer to provide you with additional insurance coverage, either as a standalone policy or as a supplement to the carrier’s insurance. A good understanding of the transport broker’s insurance policies is vital, as they can vary significantly from one broker to another.
 

What do these insurance policies cover?

 
While the exact coverage details may vary, transport insurance policies generally cover damages caused by accidents, theft, vandalism, and natural disasters. These can include:
 

  • Collision damage during transport

  • Theft or vandalism while the vehicle is in the possession of the carrier

  • Damages caused by natural disasters such as floods, hurricanes, or earthquakes

  • Damage during loading and unloading of the vehicle

 
It is crucial to review each insurance policy’s specific coverage and any limits and deductibles before deciding which insurance options to choose during vehicle transport.
 

Factors Affecting Auto Transport Insurance Costs

 
Like regular auto insurance, several factors can impact the cost of transport insurance, including your vehicle’s value and condition, shipping distance and route, and the carrier service used. Understanding these factors will help you make informed decisions about your insurance coverage and ensure your vehicle’s protection during transport.
 

Vehicle’s Value and Condition

 
The value and condition of your vehicle can significantly affect the cost of your vehicle transport insurance. More expensive vehicles usually warrant higher insurance premiums, as the potential cost of repair or replacement is higher. Similarly, if your vehicle is in poor condition or has pre-existing damages, insurance companies may charge higher premiums for the increased risk of damages during transportation.
 
To minimize the impact of these factors on your insurance costs, accurately disclose the current state of your vehicle to the insurance company or transport broker and obtain an estimate tailored to your specific situation.
 

Shipping Distance and Route

 
Longer shipping distances and routes with higher risks can also affect the cost of transport insurance. Routes that involve traveling through high-crime areas or regions prone to natural disasters can increase insurance premiums as the likelihood of damages increases. Including additional service features such as enclosed carrier services may also raise insurance costs due to their additional protection.
 
It is essential to discuss your shipping route and any unique risks associated with it when requesting insurance quotes to obtain accurate pricing for your transport insurance policy.
 

Type of Carrier Service Used

 
The type of carrier service you choose for your vehicle transport can also impact the cost of insurance. Enclosed carriers, which protect your vehicle from the elements and potential damages, can result in higher insurance premiums than open carriers. However, the additional cost may be worthwhile if you transport a high-value or luxury vehicle, as it offers added protection and peace of mind.
 
When comparing vehicle transport insurance options, consider the importance of the added protection that enclosed carriers offer against the potential increase in premiums to determine the best option for your situation.
 
By understanding the different types of auto transport insurance available and the factors that impact their costs, you can make informed decisions about your coverage options and ensure the protection of your vehicle during transportation. Be sure to research and compare multiple insurance policies and carriers, and consult with your auto insurance company to determine the best options for your vehicle transport needs.
 

Why is Auto Transport Insurance Important?

 
Auto transport insurance plays a crucial role in safeguarding your valuable investment. Here are some reasons why having auto transport insurance is essential:
 

  • Ensures Financial Protection: Vehicle transport insurance can save you from potential financial losses due to unforeseen events such as accidents or theft. Without adequate insurance coverage, you may have to bear the burden of repairing or replacing your vehicle.

  • Peace of Mind: Knowing that your car is covered during transportation can provide peace of mind. You can rest assured that you will be compensated for the damages in the event of any mishap.

  • Compliance with Legal Requirements: In many countries, the law mandates vehicle transporters to have minimum insurance coverage. Auto transport insurance ensures that your car shipping company meets these legal requirements.

  • Maintains Vehicle Value: If your vehicle gets damaged during shipping and you have adequate insurance coverage, the insurance claim can help maintain your car’s value by compensating you for the repairs.

 

The Role of Auto Transport Brokers and Auto Insurance Companies

 
Auto transport brokers are essential in helping you secure the best insurance coverage for your vehicle. They act as intermediaries between you and the vehicle transport company, ensuring you receive the best possible service and insurance coverage. Brokers can provide information about various auto transport insurance options available in the market and help you compare the features and pricing of different policies.
 
On the other hand, auto insurance companies are responsible for providing vehicle transport insurance policies. They assess the risks of shipping your vehicle and calculate the premium accordingly. When choosing an auto insurance policy, it’s crucial to work with a reputable company that understands the intricacies of vehicle transport insurance.
 

Choosing a Car Transport Company with Adequate Insurance Coverage

 
When selecting a car shipping company, it’s vital to ensure that they have adequate insurance coverage options to protect your vehicle during transportation. Here are some tips to help you choose a car transport company with sufficient insurance coverage:
 

  • Verify the Carrier’s Insurance: Ask the car shipping company for their insurance certificate and verify their coverage details. Ensure the insurance policy is current and sufficient to cover the value of your vehicle.

  • Research the Company: Conduct thorough research on the car shipping companies you’re considering. Read customer reviewsand verify their registration with the Department of Transportation.

  • Ask for Recommendations: Seek advice from friends, family, or online forums with car shipping experience. They can provide valuable insights into their experiences with different car shipping companies and their insurance coverage.

 

Final Thoughts

 
In conclusion, auto transport insurance is crucial to safeguard your vehicle during shipping. It’s essential to compare different insurance coverage options and choose the best policy that meets your needs. Seek the assistance of a reliable vehicle transport broker and work with a reputable auto insurance company to ensure that your vehicle is adequately protected during transportation. Remember, a well-informed decision can help minimize risks and provide peace of mind throughout auto-shipping.

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Frequently Asked Questions

Get answers to some of the most commonly asked questions about the vehicle shipping process.


When determining your car shipping cost, there are a few factors that we take into account in order to provide you with an accurate price quote. The mileage between the origin and destination is the biggest factor that contributes to your total rate. In addition to the distance of your relocation, another factor is the type and condition of the vehicle being shipped. The final factor is the date that your vehicle will be ready for transport. Read more about how much it costs to ship a car.

To get a quote for shipping your vehicle, you can either use our instant online car shipping quote calculator above or you can call (888) 422-7584 to receive a quote from one of our car transport pricing specialists. In order for us to calculate your quote we will need to know the location you are shipping from and to, the type of vehicle you would like to ship, and the date your vehicle will be ready.

The transit time for your shipment is based mostly on the mileage between the pickup and delivery location. Generally, every five hundred miles will add one day to the transit time - so for a 1,000 mile transport, the transit time would be 2-3 days. Check out our estimated transit times for a detailed view of approximate delivery times.

Yes, online tracking is available to you 24 hours a day and is updated in real time. Upon scheduling your shipment, you will receive a unique booking number that will allow you to track the status of your shipment online. Your tracking portal will also give you the ability to live chat with a shipping agent that can answer any questions you may have regarding the status of your shipment.

All shipments include basic liability coverage during transit. Comprehensive insurance options are available for an elevated level of shipment coverage during transit. You will be able to select a level of coverage during the booking process. If you have further questions regarding insurance options give us a call.

We accept all major credit cards, electronic transfer, postal money order, and bank/certified check for the deposit or full pre-payment of your shipment. If a balance is due upon delivery, it can be paid directly to the driver and can be paid in either cash, bank/certified check, or postal money order.

Yes, there must be someone present to release and accept the vehicle, provide keys to the driver and sign the initial and final inspection reports. This person can be anyone over the age of 18 that you trust with releasing or accepting your vehicle.

You may transport personal belongings in your car, as long as their total weight does not exceed 100 pounds and they are stored in the trunk or back seat (below the window line). Please keep in mind that personal belongings are not covered by insurance if they are reported as damaged or missing.

To get a quote for shipping your vehicle, you can either use our instant online car shipping quote calculator above or you can call (888) 422-7584 to receive a quote from one of our car transport pricing specialists. In order for us to calculate your quote we will need to know the location you are shipping from and to, the type of vehicle you would like to ship, and the date your vehicle will be ready.

The further in advance you schedule your shipment, the more likely we will be able to meet the time requirements you desire. For best results, we suggest scheduling your transport at least 2 to 3 weeks in advance. Expedited shipping options are available in order to accomodate shipments that require . You can always give us a call and ask one of our car shipping experts what your options are in terms of the schedule for your car transport.

The driver will get the car transporter as close to your door as he can legally and safely get. In most cases, the driver will be able to pickup and deliver directly at your door. Some cities may have restrictions on large trucks that prohibit them from driving into residential areas. Auto transport trucks are large and need lots of room to maneuver and turn around, so if access to the pickup or delivery location is restricted by narrow streets, low-hanging trees or tight turns, the driver may ask that you meet at a location nearby with a large parking lot, such as a grocery store.

Open transport is the most common car shipping method. There are two types of open-air transporters. Majority of shipments are be made with 8-10 car carriers. Smaller carriers which hold 2-3 cars are used for shorter more local moves. There is broader network of carrier availability for open-air carriers since they are used more often. We suggest choosing enclosed shipping methods when shipping classic, luxury or exotic vehicles. Enclosed transporters guarantee maximum protection from exposure to any open-air elements on the road. We suggest booking your enclosed transport in advance since there is limited carrier availability.

RoadRunner Auto Transport specializes in shipping all types of vehicles such as sedans, SUVs, pickup trucks, minivans, oversized vehicles, antiques, classic cars, motorcycles, construction vehicles, inoperable cars and boats. If you are not sure whether or not we can ship your vehicle, you can give us a call to find out what we can do for you.

You should have about a quarter of a tank of gas in your car at the time of shipment. This leaves enough for the car to be loaded and unloaded but doesn't add much additional weight.

The Bill of Lading is a very important document used by car shipping companies that documents any pre-existing damage on the vehicle during the time of pickup. It also serves as a record of your contact info and the official agreement for transport. If you want to file any insurance claim regarding your shipment you will need the Bill of Lading.

Top load service is when your car is placed on the higher deck or level of an open auto transport trailer. This is considered to be preferable to the bottom load because the cars on the lower deck are at risk of possibly having fluid from the cars above leak on them.

Make sure your car has been completely cleaned, both inside and outside. This is particularly important because this will help the driver conduct their inspection in order to assess any pre-existing damage on your vehicle. You will also want to make there are no additional personal items in the vehicle unless you intend to ship those with the vehicle (remember those items must total less than 100 pounds combined and be kept below the window-line of the vehicle). Be sure to inform the driver of any special circumstances concerning the vehicle. Finally, make sure there is a quarter tank of gas in the car at the time it is picked up for shipment.

Yes, we can ship vehicles that are in non-running/inoperable condition. When inoperable cars are shipped, a special auto carrier is required that makes use of a winch which is connected to your car and slowly and safely pulls your vehicle onto the carrier. There is an additional fee for inpoerable vehicles because of the special equipment and extra work involved with securing the vehicle onto the transporter. You can select the inoperable option on the online booking form or inform your shipping agent if you make your reservation by phone so that the proper arrangements can be made to accomodate a non-running vehicle.

We offer open car shipping and enclosed car shipping services. Open car shipping is used much more frequently and is the type of auto transport that you see on the highway where carriers are hauling vehicles on two decks that are exposed. Enclosed car shipping is when your vehicle is shipped in a trailer which has walls and a roof, they look like a larger version of a regular eighteen-wheeler. This method is recommended for luxury, exotic or classic cars.

Door-to-door car transport is the full service delivery of your vehicle directly from the door at the pickup location to the door at the delivery location. Our drivers do their best to get as close as physically and legally possible to the pickup and delivery locations, but in certain instances there may be restrictions preventing them from being able to safely reach your door. Our transporters need ample space to maneuver and load/unload your vehicle. If your street is too narrow, or if there are hazards such as low lining trees or power lines, drivers may ask that you meet them at a location nearby where they can safely load or unload your vehicle, such as a large parking lot or shopping center nearby.