auto transport insurance
| Transport Type | Insurance Coverage | Ideal For |
|---|---|---|
| Open Carrier | Up to $250,000 | Daily drivers, standard vehicles |
| Enclosed Carrier | Up to $500,000 | Luxury, classic, or exotic vehicles |
| Door-to-Door Service | $250K–$500K | All types; based on carrier and value |
What is Auto Transport Insurance?
Auto transport insurance covers your vehicle. It protects against damage, theft, or loss while shipping. Vehicle Insurance provides financial protection when your car is with a licensed carrier. This applies whether it’s on an open trailer or in an enclosed truck.
For Example, When you ship a luxury SUV from California to Florida, damage can happen. Weather or road debris might cause issues. Auto transport insurance protects you. It covers repair or replacement costs through the carrier’s policy, up to a limit, like $100,000 to $500,000.
Best American Auto Transport Insurance offer
Best American Auto Transport offers different insurance levels. These depend on the type of transport and the vehicle’s value. Every shipment is protected under FMCSA-compliant liability insurance, ensuring financial security during transit.
Open Vehicle Transport Insurance – Up to $250,000
Open auto transport coverage shields vehicles valued up to $250,000 from damage during transport. This includes protection against road debris, weather exposure, and loading or unloading incidents.
Terms & Conditions for Claims:
Damage must be documented on the Bill of Lading (BOL) at pickup and delivery.
Claims must be filed within 7 business days of delivery.
The vehicle must be inspected upon arrival; photos are required for submission.
Personal items left in the car are not covered under open carrier insurance.
Enclosed Auto Transport Insurance – Up to $500,000
Enclosed transport provides top-notch protection for vehicles worth up to $500,000. It’s perfect for classic, exotic, and luxury cars that need full enclosure and weatherproof transport.
Terms & Conditions for Claims:
Valid only for damage sustained inside the carrier or during the load-in/load-out process.
Must match damage not listed on the pickup BOL.
Claim submission requires POD signature + photo evidence.
Custom parts, aftermarket accessories, and personal items aren’t allowed. You must declare them and get approval before transport.
Door-to-Door Auto Shipping Insurance – $250,000 to $500,000
Door-to-door car transport coverage is between $250K and $500K. This depends on the vehicle’s value and whether the carrier is open or enclosed. The insurance ensures your vehicle is covered from pickup curbside to delivery location.
Terms & Conditions for Claims:
Insurance activates once the vehicle is in carrier possession.
Coverage ends once the vehicle is delivered and signed for on the POD.
Delivery outside public access areas may void certain coverage conditions.
Insurance covers vehicle condition only. It does not cover damages specific to location, like a tree limb falling at the delivery site.
Expedited Car Shipping Insurance – Up to $500,000 Coverage
Expedited car shipping insurance protects your high-priority vehicle transport. It offers up to $500,000 in liability coverage. This premium coverage protects your vehicle during time-sensitive delivery. It works with both open and enclosed carriers.
Terms & Conditions for Insurance Claims
The team must record the vehicle condition on the Bill of Lading (BOL) during pickup.
All damage claims must be filed within 72 hours of delivery.
You must provide photographic proof and conduct a delivery-day inspection for claim approval.
Expedited transport guarantees speed, not exemption from damage inspection.
Items inside the vehicle, aftermarket accessories, or undocumented modifications are not covered.
How Car Transport Insurance Works?
Car transport insurance protects your vehicle during transit from pickup to delivery. It starts when the carrier gets the vehicle. It stays valid until the vehicle is signed for and released at the drop-off point.
Key Coverage Principles
Carrier Responsibility: The transporter’s insurance covers damage from negligence, crashes, and weather. However, this applies only if the cargo is enclosed. It also protects against problems during loading and unloading.
FMCSA Compliance: All registered carriers must hold valid liability insurance. Open carriers typically carry up to $250,000, while enclosed carriers offer up to $500,000.
Insurance Activation: Coverage begins when your vehicle is signed over during the Bill of Lading (BOL) inspection.
Claim Process: Step-by-Step
| Step | Action | Purpose |
|---|---|---|
| 1️⃣ | Initial Inspection – Conducted at pickup and recorded on the BOL. | Documents pre-existing condition. |
| 2️⃣ | Final Inspection – Performed at delivery with the customer present. | Confirms new damage (if any). |
| 3️⃣ | Damage Reporting – Customer notifies carrier within 24–72 hours. | Triggers insurance response. |
| 4️⃣ | Submit Evidence – Include timestamped photos and signed BOL. | Validates claim authenticity. |
| 5️⃣ | Carrier Files Claim – Through their insurance provider. | Initiates payout or resolution. |
| 6️⃣ | Resolution – Repair cost reimbursed or service arranged. | Closes the insurance claim cycle. |