Car Hauler Insurance

Commercial car hauler insurance tailored to your business needs

If your business transports vehicles, you need protection for your trucks and high-value inventory. This applies whether you're moving cars for a local dealership or delivering them nationwide. The experts at Progressive Commercial can help you find customized auto hauler insurance to keep your business moving safely.

What is car hauler insurance?

Car hauler insurance is commercial truck insurance customized for your business, truck, and the vehicles you transport. It can cover the cars in your care, injuries or property damage you cause while driving, and other risks related to auto hauling.

The right insurance for your auto hauling company protects your assets and ensures you meet federal and state requirements. Start a free quote online or contact one of our expert agents to learn more.

Why car hauler insurance is important

From collisions on the road to accidental damage during loading and unloading, auto haulers encounter a variety of risks each day. Without the right coverage, a single incident can lead to costly setbacks. Car hauler insurance can safeguard your trucks, what you transport, and your financial stability so you can stay focused on the road ahead.

Who needs car hauler insurance?

Any business that transports multiple vehicles using a hauler should consider this specialized insurance since standard commercial auto coverage won't provide the protection you need. The following types of operations should consider insurance for hauling cars:

• Auto transporters
• Car dealerships
• Manufacturers
• Auto body shops
• Tow truck companies
• Auto repair shops

Car hauler insurance requirements

The requirements for car hauling insurance vary based on factors like your location and company needs. Both federal and state trucking rules focus on the same core coverages because they're essential for protecting the public and the vehicles you transport. Most car haulers must carry:

• Vehicle liability insurance: This coverage includes bodily injury and property damage. It helps pay for injuries to others or damage to their property if you're responsible for an accident, up to a $2 million combined single limit.
• Motor truck cargo insurance: This coverage protects the vehicles you transport from damage caused by fire, collision, and other hazards on the road. It applies during loading, transit, unloading, and while vehicles are temporarily stored at terminals or docks under a shipping receipt.

If you're a for-hire trucker hauling across state lines, be sure you have the minimum primary liability and cargo coverage amounts set by the Federal Motor Carrier Safety Administration (FMCSA).

What other car carrier insurance options are available?

Relying only on liability and cargo coverages can leave gaps in commercial auto insurance for truckers. To make sure you have broad protection against unexpected losses, consider these additional truck insurance coverages.

General liability for truckers

Motor truck general liability insurance can be added to your commercial auto policy. It covers incidents that aren't directly related to operating your truck, such as damage caused by an incorrect delivery or customer injuries on your property.

Large motor carrier companies often require independent for-hire truckers to carry this coverage.

Physical damage

Physical damage insurance protects your commercial truck from covered events by paying for repairs or replacements. Collision coverage handles damage from accidents, while comprehensive coverage addresses non-collision losses like theft or weather events.

Uninsured motorist

Uninsured motorist insurance can help if your auto hauler is in an accident with a driver who doesn't have sufficient liability insurance to cover your damages. Options vary by state and include coverages like uninsured motorist (UM), underinsured motorist (UIM), and uninsured motorist property damage (UMPD).

Heavy truck roadside assistance

Heavy truck roadside assistance can be added to your commercial policy in most states and helps you get back on the road after a breakdown. It covers towing, winching, jump-starts, fuel delivery, locksmith assistance, and flat tire replacement for your truck and attached trailer.

Trailer interchange

Trailer interchange insurance covers physical damage to equipment you're hauling under an interchange agreement. It covers events like collision, fire, theft, or vandalism to trailers that you don't own.

Rental reimbursement with downtime

Rental reimbursement with downtime covers rental expenses or assists with truck payments and other bills if your vehicle cannot be used because of an accident.

How much is car hauling insurance?

Your car hauler insurance cost is unique to your business and depends on various factors, including:

• Coverage types
• Driving safety record
• Transported vehicles
• Car carrier size
• Location
• Operating radius

Learn more about how much commercial truck insurance costs and ask about our vehicle insurance discounts when getting a quote.

Why choose Progressive Commercial for car hauler insurance for your trucking business

Progressive Commercial is the #1 truck insurer in America.^Δ We offer flexible options, specialized heavy truck claims service, discounts, and expert support. Let us help you find the car hauler insurance you need to cover accidents, cargo damage, breakdowns, and more. With a policy in place, you can focus on your operations, knowing your business is secure.

Start a car hauler insurance quote online or speak to one of our insurance experts to determine which coverages are right for you.

More information

· Which commercial insurance coverages should I get?

· What do I need for a commercial truck insurance quote?

· What are truck insurance filings?