Loading & Unloading: Insurance policies limit cargo coverage depending on the loading and unloading distance on the policy. You may unload the cars at the customer’s premises, but sometimes there is no space for the truck, and you may need to unload outside the location. Some policies limit coverage to curbside, 100 ft, 500+ feet, etc. In the previous circumstance, you need your policy to cover the unloading and loading distances you will see during your policy period.

Unattended Vehicle Theft Exclusions: Car hauler policies have many exclusions pertaining to leaving your vehicle unattended, even if it is for a short time. Some policies may cover the loss if “reasonable measures” were taken to prevent theft. Make sure your agent and insurer specify what “reasonable measures” are and if theft and vandalism are covered on the policy.

Diminished Value: When a direct or accidental loss happens and there is damage to the car being transported, the vehicle experiences an actual or perceived loss in market value or resale value. Basically, the reduction in the value of the car is more than the cost of repairs. This protects you from having to pay the difference between the actual cash value (mkt value) of the car now, and what the vehicle was worth before the event.

Constructive Total Loss: When the damage to a vehicle is so great that the cost to repair a car is more than the market value (actual cash value) of the car.

Striking a load: Sometimes the configuration of the trailer can be so high that there may be some clearance issues for auto haulers, in this case you need to know if your insurance carrier will cover damage based on clearance. There may be exclusions to this.