How Insurance Works During Auto Transport
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Auto transport is a precise process with strict adherence to federal and state law. Perhaps most important is insurance coverage—a required layer of protection that keeps your car adequately safeguarded along the way. At AmeriStar Car Shipping, we’re dedicated to your peace of mind by confirming carrier insurance and providing supplemental protection options. Here’s what you need to understand about how auto transport insurance works.
Why Auto Transport Insurance Is Important
Just like you insure your home, health, or life, auto shipping insurance protects you from unexpected financial loss. With experienced haulers and quality care, sometimes something goes wrong. Outside factors like road conditions, bad weather, or equipment failure can be issues.
By getting the right insurance, you minimize the cost of out-of-pocket settlement in the event your car is damaged while in transit. It is a good idea for anyone shipping from a distance—whether your daily commute or a classic car.
Is Insurance on Car Shipping Mandatory?
Yes. Every auto transportation carrier is mandated by law to possess cargo and liability insurance before shipping vehicles. At AmeriStar, we verify each of our carriers’ insurance policy before we assign them to a shipment.
However, we also suggest that customers buy extra coverage for more expensive vehicles or extra protection. Private insurers can offer gap coverage beyond the carrier’s policy limits.
How to Request Auto Transport Insurance
When booking with AmeriStar:
- Basic insurance is automatically included and verified.
- We offer optional premium coverage for added peace of mind.
- You can also consult your personal auto insurance provider to see if your policy extends to transport scenarios.
Need help? Our experts can walk you through your options and help you choose the best coverage level for your vehicle type and route.
Types of Auto Transport Insurance
Auto transport insurance can be categorized into three types:
- Carrier Insurance (Standard Requirement)
- Provided by the actual hauler.
- Includes cargo and liability coverage.
- Required by law and verified by AmeriStar.
- Customer (Private) Insurance (Optional)
- Your personal vehicle insurance policy.
- May offer extended protection depending on your provider.
- Good for gap coverage or high-value vehicles.
- Broker Coverage Add-ons (Optional)
- Supplemental policies offered through the shipping broker (e.g., zero-deductible or enhanced damage protection).
- Not required, but helpful for peace of mind.
Common Auto Transport Insurance Terms
- Carrier: The company physically transporting your vehicle.
- Broker: A company (like AmeriStar) that arranges transport with licensed carriers.
- Licensed Carrier: A transporter legally registered with the FMCSA and DOT.
- Bill of Lading: An inspection and delivery report that serves as proof of vehicle condition before and after shipping.
How Much Does Carrier Insurance Cost?
Standard insurance coverage is included at no extra charge when you ship with AmeriStar. If you request additional coverage, pricing may vary based on:
- Vehicle type and value
- Shipping method (open vs enclosed)
- Coverage limit and deductible
We provide clear insurance details with every quote—no hidden fees or confusing terms.
How to Get an Insurance-Backed Shipping Quote
Here’s how to ship your vehicle with AmeriStar:
- Get a Free Instant Quote
Fill out our simple form with pickup and drop-off details, vehicle specs, and transport preferences. - Customize Your Coverage
Our team will guide you through your coverage options—basic, premium, or custom. - Schedule Pickup
We’ll dispatch a vetted and insured carrier to your location. - Track & Receive
Your vehicle is delivered safely, with pre- and post-shipment inspections documented on the Bill of Lading.
Shipping Methods Covered by Insurance
- Open Transport Ideal for standard vehicles; most affordable and widely used.
- Enclosed Transport Best for luxury, antique, or exotic vehicles. Offers protection from weather and debris.
- Door-to-Door Delivery Your vehicle is picked up and dropped off at your chosen locations for maximum convenience.
What Types of Vehicles Are Covered?
AmeriStar ships a wide range of vehicles with insurance-backed protection, including:
- Standard Automobiles
- SUVs & 4x4s
- Pickup Trucks & Vans
- Motorcycles
- Electric Vehicles
- RVs & Travel Trailers (on select routes)
We tailor our insurance options to match your vehicle’s size, value, and transport needs.
Final Thoughts: Peace of Mind with Every Mile
Shipping your vehicle shouldn’t be a gamble. With AmeriStar Car Shipping, you get:
- Verified carrier insurance
- Transparent protection options
- Expert guidance
- Safe, timely, and insured delivery
Have questions about auto transport insurance? Contact our team or get your free, insurance-backed quote today.
Frequently Asked Questions (FAQs)
Yes, every vehicle shipped through AmeriStar includes carrier-provided cargo insurance that covers your vehicle during transport. This is standard with all our services.
It is not mandatory but strongly recommended, especially for high-end, vintage, or high-cost vehicles. Additional insurance adds additional protection and peace of mind above and beyond that provided under the basic policy.
Basic cargo insurance generally covers:
- Exterior damage like dents, scratches, or paint issues caused during transit
- Damage due to carrier error or unforeseen transport-related incidents
Note: Personal items left inside the vehicle are not covered.
Take clean photographs of your car from various sides prior to pickup. This will be utilized to record its condition and assist in the event of any damage while in transit.
- Mechanical issues not caused by transport
- Interior damage or personal items inside the vehicle
- Pre-existing damage not documented during the pickup inspection
If your vehicle arrives with damage:
- Document it on the Bill of Lading at delivery.
- Take photos immediately.
- Contact AmeriStar’s support team—we’ll assist with the insurance claim process directly with the carrier.
AmeriStar ships:
- Sedans
- SUVs & Trucks
- Motorcycles
- EVs & Hybrids
- Classic and Luxury Cars
Every vehicle is covered under our carrier's standard cargo insurance.
Yes. At AmeriStar, we verify all carriers’ insurance policies before dispatch. You may request a copy of the carrier’s Certificate of Insurance (COI) for added assurance.
