Auto Transport Insurance Explained
What cargo coverage actually protects, what it excludes and how to verify a carrier is really insured.
- Licensed & insured carriers
- Door-to-door service
- Open & enclosed trailers
- Indianapolis dispatch
Every legitimate carrier carries cargo insurance
Ask for the certificate. Verify the DOT number on the FMCSA SAFER site. Any company that hesitates is telling you something.
Common exclusions
Acts of God, pre-existing damage, personal belongings and mechanical failures unrelated to transport.
Your personal policy still matters
Many comprehensive auto policies extend to a vehicle in transit. A five-minute call to your agent is worth making.
Talk it through with a dispatcher
Guides only go so far. If you want a specific answer for your vehicle and route, call (317) 659-7044 or request a quote and we will walk through the options with you.
More guides
- How Much Does Car Shipping Cost in 2026?
- Open vs Enclosed Transport: Which Do You Need?
- How to Prepare Your Car for Shipping
- Car Shipping Timelines: What to Actually Expect
- Snowbird Vehicle Shipping from Indiana
- Shipping a Car You Bought Online
- Military PCS Vehicle Shipping Guide
- Understanding the Bill of Lading
- How to Choose an Auto Transport Company
Ready to move your vehicle?
Talk to a real dispatcher in Indianapolis and get an honest, all-in quote today.