Auto hauler Insurance


Auto Hauler Insurance is a unique risks that most trucker insurance policies don’t cover. Our specialized auto transporter insurance Program provides coverage for those challenging situations that can arise on the road. Our auto transporter program includes commercial auto liability, physical damage, and cargo. The cargo coverage limits for auto hauler program goes up to $500,000. We insure small auto hauler with small trucks and large tractor and trailers. 

 Why choose our Auto Transporter Insurance Program?

As an auto transporter, day-to-day operations expose you to unique risks that most trucking insurance policies do not cover, leaving the Owner Operator exposed to a financial liability that could drive them right out of business. The Car Hauler Insurance Program Insurance Program provides customizable comprehensive coverage package for all of these risks.

Auto Transporter Insurance: Coverage and our Benefit's

1. Auto Hauler Constructive Total Loss

A new auto that is damaged while being transported that can be repaired to a safe driving condition, but not new car condition. A driver damages the roof of a new Audi. Although it would only cost $6,000 to repair the roof, Audi will crush the car due to liability concerns. Most insurers are only going to pay $6,000 for this claim with the car hauler paying the difference out-of-pocket. The Auto Transporter Protector Program will pay the cost of the car, allowing the shipper (your customer) to determine the classification of damages, not the insurance company. The Car Hauler Insurance Program protects your relationship with your customer offering your company an advantage over your competitors!

2. Auto Hauler Over height loads

If a load is too high and damage occurs while passing under a bridge or low structure spanning across the roadway overhead, the Car Hauler Insurance Program covers this type of loss. Many policies do not include even this basic coverage.

3. Auto Hauler Diminished Value

The actual or perceived loss in market value or resale value that results from a direct or accidental loss to an auto being transported. When hauling new automobiles, your driver is unloading a new car worth $50,000, hits a pole and does $6,000 damage to the car. Once the car is repaired, the dealer may only be able to sell the car for $40,000 due to the damage. Most policy coverage is only going to pay $6,000 (less the deductible) to fix the car. The dealer will seek the remaining $10,000 from the owner operator, which the owner operator pays out-of-pocket. The Car Haulers Protector Insurance Program will pay that dealer the $10,000 and keep you moving down the road with peace of mind. You shouldn't have to be driven out of business because you made a mistake. Most policies consider this “consequential damage” and do not cover this loss leaving you holding the bag.

4. Auto Hauler Burglary or Theft from Unattended Vehicle

When a tractor/trailer is left unattended and a theft or accident occurs, many policies have numerous exclusions to avoid covering this type of loss. The Car Hauler Insurance Program covers this loss if normal reasonable measures are taken. Attention must be given to the details of any cargo policy to verify coverage against this type of loss. The size of the potential financial risk in this scenario can be devastating.

Auto Hauler Insurance Coverage’s

1. Auto Liability

Bodily Injury Liability - is the legal obligation that stems from the injury or death of another person. If your driver is found at fault in an accident that injures someone in the other vehicle involved. An example of this is the injuries sustained by the occupants of the vehicle your driver collides with.

2. Property Damage Liability

Pays the cost of defense and claims for damage the insured does to the property of others. An example of this is when your driver strikes a parked car.

3. Uninsured Motorist Coverage

Is the coverage for drivers and passengers in your vehicle when bodily injury is caused by another motorist who does not carry liability coverage. Uninsured Motorist Coverage is similar to Bodily Injury coverage. Uninsured Motorist property damage covers your auto when property damage is sustained by an insured and the negligent operator does not possess insurance. Some states have limits at $3500. If you have Collision coverage, Uninsured Motorist Property Damage coverage only pays your collision deductible (in some states).

4. Medical Payments to Others

Covers medical expenses to you and your passengers injured in an accident. There may also be coverage if as a pedestrian a vehicle injures you. Does NOT matter who is at fault. Medical payments may also cover policyholders and their family members when they are injured while riding in someone else's car or when they are hit by a car while on foot or bicycling. Coverage is limited to the terms and conditions contained in the policy.

5. Auto Physical Damage

Comprehensive Coverage - covers your vehicle for incidents other than collision. For example, fire, theft, vandalism, falling object, and animal. Most damage other than collision falls under comprehensive. Collision/Upset Coverage -Covers damage to your vehicles when your car hits, or is hit by another vehicle or object, regardless of fault.

6. Garage and Operations Coverages

Garage Liability Coverage - covers premises, operations, products and completed operations. This coverage should be written for the same limit as owned auto coverage.

7. Garage keepers Legal Liability

This coverage provides coverage to owners of storage garages, parking lots, etc. for liability as bailees with respect to damage to automobiles left in their care, custody and control. Coverage is contingent upon establishing liability on the part of the insured. Coverage is limited to “Motor Vehicles” and does not cover cargo or items in tow other than licensed motor vehicles. (See Cargo/On Hook Coverages)

8. On Hook Coverage

Is part of a Garage policy for a tow truck company. The On Hook coverage provides physical damage coverage to the vehicle that you are towing while it is being towed.

9.Cargo Coverage

Covers Legal Liability for goods or contents which are in your care, custody and control. Coverage can usually be extended to your storage facility.

Best Coverage Available


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