Car Hauler Insurance Requirements
Car hauler requirements depend on whether you operate interstate or intrastate, your equipment and cargo, your authority status, and the contracts you accept. Use this guide to organize your review before requesting a quote.
Common auto transport insurance requirements
Primary auto liability
Review the liability limit required for your authority, routes, vehicle configuration, and broker or shipper contracts.
Vehicle-in-transit cargo
Confirm that the coverage form addresses the customer vehicles you transport, including loading, unloading, custody, and damage conditions.
Physical damage
Discuss coverage for the tractor, car carrier, and attached equipment based on their value and use.
Operating authority filings
Interstate carriers may need federal insurance filings. Confirm the appropriate filing and effective date for your authority.
Broker and shipper requirements
A broker may request specific liability, cargo, certificate-holder, additional-insured, or endorsement terms.
State and local rules
Intrastate requirements and permits can differ by state. Confirm the rules that apply to your home state and routes.
Documents to prepare
- DOT and MC authority information
- Vehicle and trailer schedule
- Cargo type and approximate vehicle values
- Driver information and loss runs
- Broker or shipper insurance instructions
Federal filing resource
Review the BMC-91X filing topic, then confirm the filing and limits that apply to your operation with a licensed professional.
Open filing guide