Car hauler insurance
Open or enclosed vehicle transport. The cargo is someone's car, so cargo limits are set per vehicle and per load.
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Where car hauler claims come from
Loading damage
Most car hauler claims happen on the ramp: scraped bumpers, dents, and broken mirrors while loading or unloading.
High per-load value
Nine cars on a stinger can exceed a standard $100,000 cargo limit fast.
Road debris
Top-deck vehicles on open trailers take chips and cracked glass from road debris.
Usually on the policy
What underwriters ask
- Open or enclosed trailer
- Vehicles per load and typical values
- New, used, or auction vehicles
- Loading damage history
Common questions
How much cargo coverage does a car hauler need?
Add up the most valuable full load you carry. Many auto haulers need $250,000 or more, especially with newer or luxury vehicles.
Does cargo cover damage during loading?
Many car hauler cargo policies do, but some limit it. Confirm the loading and unloading wording before you bind.