What You Must Know About Auto Transport Insurance

It’s Not Just About Moving Cars — It’s About Protecting Them

When dealerships move vehicles across states, it’s not just metal on wheels being transported — it’s thousands of dollars in inventory. That’s why understanding how auto transport insurance works isn’t optional. It’s the difference between peace of mind and costly surprises.

🚗 Why Auto Transport Insurance Matters

Every time a car goes on a truck, there’s risk — even with professional drivers.Road debris, storms, or highway accidents can happen. That’s where transport insurance steps in to protect your investment.

At DisCarry, we treat insurance not as paperwork, but as a promise: Your vehicles are covered. Always.

🧾 How Auto Transport Insurance Actually Works

Let’s make it simple.

1. Carrier Liability Insurance This covers any damage that happens while your car is being transported — from pickup to delivery. All professional carriers in the U.S. are required by law to have it (usually $250,000–$1,000,000 in coverage).

2. Cargo Insurance This protects the actual vehicles being shipped, not just the trailer. So, if a branch falls on a car or road debris causes a scratch — cargo insurance covers it.

3. Personal or Dealership Insurance Some dealerships also keep their own coverage as a secondary layer. It’s not required, but it’s a smart move for high-volume dealers.

⚠️ The Problem With Brokered Shipments

Here’s the uncomfortable truth: Most brokers don’t carry their own insurance.

They rely on the carrier’s policy — and sometimes those carriers aren’t properly insured or verified. That’s how dealers end up in finger-pointing matches:

Broker says: “The carrier is responsible.” Carrier says: “We didn’t get the full details.” Result: Delays, paperwork, and stress.

With DisCarry, there’s no confusion — because we are the carrier. Our trucks, our coverage, our responsibility.

🔍 How to Verify a Carrier’s Insurance

Before you trust anyone with your inventory, always check these:

1. MC (Motor Carrier) Number – confirms the company is legally registered.

2. DOT Number – shows safety and compliance records.

3. Certificate of Insurance (COI) – lists liability and cargo coverage amounts.
   

💡 DisCarry provides all three to every dealership partner upon request.

🧠 Common Myths About Auto Transport Insurance

Myth	Reality
“My car is covered under the dealership’s insurance.”	Not during transport unless your policy says so.
“Brokers automatically include insurance.”	False. They rely on third-party carriers.
“Small haulers don’t need coverage.”	Every carrier hauling for pay must have it by law.
“It’s expensive to work with insured carriers.”	Not at DisCarry — coverage is included in every shipment.

💬 What DisCarry Offers Dealerships

• Fully insured under federal cargo & liability laws

• Licensed carrier (USDOT & MC verified)

• Dedicated dispatcher for every load

• Damage inspection reports at pickup & delivery

• Transparent claim process (if ever needed)
  

Our approach is simple: If your car is on our truck, it’s our responsibility.

📈 Final Word

Insurance isn’t the most exciting topic — but in car transport, it’s the one thing that separates real carriers from risky ones.

So the next time someone promises you “the cheapest rate,” ask one question first:

“Are you insured — and can you prove it?”

At DisCarry, the answer is always yes.