Understanding How Auto Transport Insurance Works

Vehicle Shipping Insurance: What You Need to Know

When it comes to auto transport, insurance is one of the most important—but often overlooked—parts of the process. At US Car-Go Freight, we believe in giving customers complete peace of mind with every shipment. Whether you’re moving cross-country or purchasing a vehicle online, understanding how auto transport insurance works can help you make smart, informed choices.

In this blog, we’ll break down why insurance matters, what types are available, and how to protect your vehicle every mile of the way.

Why Auto Transport Insurance Is Essential

Even though the vast majority of shipments arrive intact, the reality is that mishap can occur during transit—roadway debris, weather-related damage, or loading and unloading errors. For this reason, Federal Motor Carrier Safety Administration (FMCSA) mandates auto carriers to have liability and cargo insurance to safeguard customers’ vehicles against loss or damage.

But what is that going to do for you, the customer?

It means your vehicle has some level of basic protection, but there are options to increase your coverage and reduce your risk even further.

Types of Car Shipping Insurance Coverage

There are three major types of insurance to be aware of:

Carrier Insurance (Required)
All licensed carriers must carry cargo insurance (typically $50,000 to $250,000 per load) to cover damages caused by transport-related incidents. This is automatically included in every shipment booked through US Car-Go Freight.
Supplemental Insurance (Optional but Recommended)
This is additional coverage you can purchase either through us or an external insurance provider. It helps cover higher-value vehicles or extends protection to situations not covered by basic policies.
Personal Auto Insurance (Optional)
Your own auto insurance may offer limited protection during transport, depending on the policy. However, it’s best to verify with your provider whether transport coverage is included.

How to Request Insurance with US Car-Go Freight

It’s easy and transparent:

Get a Free Quote using our instant online calculator.
Our team will confirm the carrier’s insurance certificate before the pickup.
If you desire added protection, inquire about supplemental coverage options to have peace of mind.
At delivery, we will perform a complete inspection to record the condition of your vehicle.

We’re with you every step of the way—because the safety of your vehicle is our concern.

What's Covered (And What's Not)

Typically Covered:

Scratches, dents, or exterior damage caused during transit
Total loss from accident (under cargo insurance)
Loading/unloading damage (if carrier error)

Not Covered:

Personal items left inside the car
Mechanical issues unrelated to shipping
Pre-existing damage not noted on the initial inspection

Tip: Take detailed photos of your car before and after shipping to document its condition.

Frequent Asked Questions (FAQs)

Is insurance included with my car shipment?

Yes, every US Car-Go Freight shipment includes basic cargo insurance through the carrier.

Do I need to buy extra insurance?

It’s not required, but it’s highly recommended for luxury, exotic, or high-value vehicles. We offer affordable add-on coverage options.

How can I verify the carrier’s insurance?

We verify all carrier insurance certificates and can provide proof upon request.

What if my car is damaged during transport?

You’ll complete a vehicle inspection at delivery. If damage is found, we’ll help file a claim with the carrier immediately.

Can I leave items in my car during shipping?

We advise against it. Personal items are not covered under standard cargo insurance and may delay delivery.

Are all your drivers insured?

Absolutely. We only work with FMCSA-licensed and insured carriers, ensuring your vehicle is protected every mile of the way.

Ship With Confidence, Insured by the Best

At US Car-Go Freight, we don’t just move cars—we protect them. With reliable carriers, verified insurance, and optional add-ons for maximum peace of mind, your vehicle is in safe hands from pickup to drop-off.

Get a quote now or speak with one of our friendly agents to learn more about your insurance options during auto transport.