Auto Hauler Insurance in Texas
Auto hauler insurance covers car carriers, including the on-hook and cargo exposure of the vehicles being transported.
Transporting vehicles means the cargo is high-value and easily damaged. Cargo limits must reflect a full load of vehicles, and on-hook coverage protects cars while they are on your trailer.
What underwriters look at
- Cargo limit sized to a full load of vehicles
- Open vs. enclosed transport
- New vs. used vehicle values
- Loading/unloading damage exposure
Coverages for a auto hauler fleet
Auto Liability
Commercial auto liability pays for bodily injury and property damage your trucks cause to others, and is the coverage FMCSA requires on file before a carrier can operate.
Physical Damage
Physical damage insurance pays to repair or replace your own trucks and trailers after a collision, theft, fire, or other covered loss.
Cargo
Motor truck cargo insurance covers the freight you are hauling if it is damaged, destroyed, or stolen in transit.
Common questions
- How much cargo insurance does a car hauler need?
- Enough to cover a full load at the vehicles’ actual value — often $150,000 to $250,000 for a standard carrier, and more for enclosed transport of high-value or exotic vehicles.