If you have an auto hauling business, there are many risks you face on a daily basis. That’s why it’s so important to get car carrier insurance to protect your business. But getting insurance for your business might sound complicated and time-consuming. And beyond that, how do you get car hauler insurance in the first place – even better, how can you get car carrier insurance easily (preferably without getting a splitting headache)? We’ll explain how you can get auto hauler insurance.
How to get car carrier insurance.
1. Understand auto hauler insurance coverages.
It’s important that you know what sort of insurance you need for a car carrier. There are a lot of coverages that work together to protect your business. Here are some of the coverages you might want to consider for your business:
Auto liability insurance.
Auto liability insurance can help you if you’re involved in a car accident and you’re liable for the bodily injury or property damage of the other driver. It’s an essential coverage because it helps you cover your legal obligation to the other driver – and it helps cover your legal expenses if they sue.
Bodily injury liability – This is the coverage that can help cover the other driver’s medical expenses and pain and suffering if you’re at fault in an accident.
Property damage liability – This is the coverage that can help cover the repair or replacement of the other driver’s car (or other property that you happen to be responsible for damaging).
Physical damage insurance.
Physical damage insurance for car haulers can help you get your truck back on the road quickly if it’s damaged by a covered loss. Remember, your liability insurance doesn’t cover your car hauler. It won’t help you cover repairs to your truck, which is why it’s important to understand physical damage insurance.
Collision coverage – This coverage can help repair or replace your truck if it’s damaged in a wreck or if you collide with something.
Comprehensive coverage – This coverage can help repair or replace your truck if there’s a loss caused by something other than an accident (i.e. fire, vandalism, theft, animal strike, falling objects).
Cargo insurance.
Cargo insurance is also really important for car carriers. It can protect the loads you’re hauling (in your case cars) from losses like fire, theft, and collision. The vehicles you’re transporting are expensive, so it’s important to make sure that you’ve got the right insurance to protect them. If something were to happen to your load, cargo insurance can really help you out.
Uninsured/Underinsured motorist.
What happens if you get hit by a driver without insurance? Or what if you get hit by a driver without enough insurance to cover all the damages from the accident?
That’s where uninsured/underinsured motorist coverage (UM/UIM) comes in. It can help you if you’re in a wreck and the other driver doesn’t have insurance (uninsured) or if you’re in a wreck and the other driver doesn’t have enough insurance (underinsured) to fully cover the damages that they owe you from the incident.
These aren’t the only types of insurance that you might want to consider for your business. For example, you might want to think about occupational accident or worker’s compensation insurance. It’s important to talk to a trustworthy transportation insurance expert to make sure you’re getting all the insurance you need to protect yourself from the risks you face.
2. Get auto hauler insurance quotes.
The next thing that you need to do is get started with some car carrier insurance quotes. That might sound scary, but our team makes it as easy as possible.
Here’s how it works.
1. You fill out our online form or give us a call.
One of our transportation insurance professionals will be happy to help you get insurance quotes for your business. Filling out our online form or calling us lets you connect with one of our pros.
2. Our agent will ask a few questions.
We know that you’re busy and can’t spend all day on the phone, so we’ll make it quick. However, we do need to have a bit of a chat so we make sure that we understand your business. We want to make sure that we help you get the right insurance coverage to protect your auto hauling business.
3. We get your quotes.
We’ll go shopping for your car carrier insurance quotes. We have relationships with numerous insurance carriers, so we’ll give you some options for your auto hauler insurance.
4. We present you with your insurance options.
Next, we’ll go over your options with you. Then you’ll choose the insurance coverage that’s right for your business and we’ll help you get everything finalized.
5. We’re here for you.
We won’t just leave you hanging. We have an entire team of service professionals who will be here for you to address any questions or concerns you have about your insurance. We’re here to help.
So, that’s how we can help you get auto hauler insurance quotes! Get started with your quotes by filling out our online form, giving us a call, or messaging us on LiveChat.