"Is my car insured while it's on the truck?" It's the question every first-timer asks — and the answer matters. Here's how car shipping insurance actually works, in plain terms.
Every licensed auto transport carrier is required to have cargo insurance that covers vehicles while in their care. That means damage caused during transit is generally covered by the carrier's policy — not yours. But coverage limits and terms vary, so you should always confirm the specifics before booking.
At pickup, the driver inspects the car and records existing damage on the Bill of Lading. Photograph everything and keep your copy. At delivery, inspect again against that same document before you sign — noting any new damage there is what makes a claim straightforward.
You're generally covered by the carrier's cargo insurance, but verify the limit, remove personal items, and use the Bill of Lading at both ends. See how the process works step by step.