Car Hauler Insurance and the Rules for Hauling Vehicles
When you haul cars, every load is someone else's vehicle, and a full trailer can be worth a lot. Here is who needs car hauler insurance, how federal rules say cars must be tied down, and what coverage to ask your agent about before you load up.
Who Needs Car Hauler Insurance
Any business that moves vehicles for pay needs the right car hauling insurance, from a multi-car trailer to a single auto hauler running a pickup and a wedge trailer.
If you pull your trailer with a pickup, the weight of the whole combination can decide whether you need a USDOT number or a CDL. Our hot shot insurance guide explains how those weight rules work.
How Cars Must Be Tied Down
FMCSA has a cargo securement rule just for automobiles, light trucks and vans that each weigh 10,000 pounds or less. Heavier vehicles fall under a different rule.
- Each vehicle must be restrained at both the front and the rear, using at least two tiedowns.
- Tiedowns attached to the vehicle itself must use mounting points made for that purpose.
- Tiedowns that go over or around the wheels must keep the vehicle from moving sideways, forward and back, and up and down.
- Edge protectors are not required where synthetic webbing touches the tires.
Loads that shift are a common source of damage claims, so good securement protects both the cars and your record.
Coverage to Ask Your Agent About
Every car hauling operation is different, so go through these with your agent before you take on new customers.
- Cargo coverage with a limit that fits the total value of a full load, not just one car
- Whether your cargo coverage includes damage while vehicles are being loaded or unloaded
- Physical damage coverage for your truck and your trailer, which your lender may require if either is financed
- Auto liability for injuries or damage to others while you drive
Car Hauler Insurance FAQ
Is cargo insurance required by federal law for car haulers?
No. Federal rules require cargo coverage only for carriers that move household goods for the public. For car haulers, the cargo limit is usually set by the brokers, dealers and customers you work with.
Does Fifty Bridges insure car haulers?
Yes, in the states where we are licensed. Options depend on your state and your operation.
Related Coverage
Learn more about Cargo Insurance, Owner-Operator Insurance and Commercial Truck Insurance. More articles are on the Fifty Bridges blog.
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