Virginia Car Carrier and Rollback Insurance

What Car Carrier Insurance Covers in Virginia

Car carrier insurance combines standard commercial auto liability with on-hook towing coverage, which pays for damage to vehicles you're hauling or loading if they're damaged in transit. Without on-hook coverage, damage to a customer's vehicle during transport is typically not covered by basic commercial auto.

Physical damage covers the carrier itself. Garagekeepers legal liability is also relevant for dealers, auction transporters, and body shops that regularly move other parties' vehicles.

• Commercial auto liability
• On-hook towing / in-transit vehicle coverage
• Physical damage for the carrier
• Garagekeepers legal liability

Car Carrier Types and Configurations

We insure single-car rollbacks and flatbed wreckers, multi-car open carriers hauling 3–10 vehicles, enclosed enclosed transport trailers, and drive-away operations. Single-unit rollbacks used for repossession or dealership moves are different exposures from an interstate auto hauler running 9 cars to a port.

We match the coverage structure to your actual operation, whether you run a local repo fleet or haul vehicles for auctions and dealers.

Virginia and FMCSA Requirements for Auto Haulers

Auto haulers operating in interstate commerce typically need FMCSA operating authority and must file proof of liability with FMCSA. Because transported vehicles contain fuel systems classified as hazardous materials under federal rules, interstate auto haulers generally need at least $1,000,000 in public liability coverage.

Intrastate car carriers operating only within Virginia work under Virginia DMV requirements. Our advisors verify which filings apply to your specific operation.

What Affects Your Car Carrier Premium

The number of vehicles you haul per load, whether you operate locally or interstate, the value of vehicles you typically transport, and your MVR history all drive pricing. Repossession operations carry different risk profiles than dealer transport.

• Load capacity: single vehicle vs. multi-car rig
• Interstate vs. intrastate operations
• Vehicle values in transit
• Repossession vs. dealer/auction transport

How to Get a Car Carrier Insurance Quote

Have your carrier details, the types of vehicles you haul, your operating territory, and prior loss history ready.

Call (703) 551-2000 or request a quote online for a same-day response from a licensed advisor.