Coverage guide

Auto transport insurance: is my car covered?

Yes — every carrier must carry cargo insurance. Here's exactly what's covered, what isn't, and how to protect yourself.

Updated May 2026 · HaulHero Auto Transport

By law, every FMCSA-registered carrier must carry cargo insurance that covers your vehicle while it's on their truck. HaulHero verifies that coverage is active before any carrier is dispatched.

What's typically covered

  • Damage that occurs while your vehicle is loaded on the carrier
  • Carrier-caused incidents during transport, loading, and unloading

What's usually not covered

  • Personal items left inside the vehicle (remove them before shipping)
  • Pre-existing damage (why you document the car at pickup)
  • Acts of nature in some policies — ask about added protection for high-value cars

How to protect yourself

  1. Photograph the vehicle (all sides) before pickup.
  2. Complete the Bill of Lading inspection at pickup and delivery.
  3. Note any new damage on the delivery paperwork before signing.
  4. For high-value vehicles, ask about additional coverage and enclosed transport.

Questions about coverage on your shipment? Get a quote and ask your coordinator.

Frequently asked questions

Is my car insured during shipping?

Yes. Every carrier carries cargo insurance as required by the FMCSA, and HaulHero verifies it's active before dispatch.

Are personal items in the car covered?

No. Carriers aren't licensed to haul household goods and personal items aren't covered by cargo insurance — remove them before shipping.

What if my car is damaged in transit?

Note it on the Bill of Lading at delivery before signing, document with photos, and your coordinator helps you file a claim against the carrier's insurance.

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