Effective Sep 15, 2026
Insurance & Claims Policy
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The short version
A plain-language summary. The full text below is what applies.
- Your vehicle is covered in transit by the carrier's cargo insurance, up to its limits and exclusions.
- Haulwide doesn't insure vehicles, but we help you understand coverage and escalate problems.
- Document condition at pickup and note any damage on the Bill of Lading at delivery.
- Report damage to the carrier as soon as possible, ideally within 24 hours of delivery.
Company details marked “To be added” will be completed before launch.
1. Who covers your vehicle
A broker's bond protects against a broker failing to meet its financial obligations. It isn't insurance for damage to your vehicle; damage claims go to the carrier's cargo insurance.
2. Haulwide's role
Haulwide is not an insurer and doesn't decide claims. We check that Providers have insurance on file, show you what to ask before booking and help you contact the Provider if you have a problem.
3. What's usually covered and excluded
| Usually covered | Usually excluded |
|---|---|
| Damage caused by the carrier's negligence while loading, in transit or unloading | Personal items left in the vehicle |
| Damage from accidents involving the truck | Pre-existing damage recorded at pickup |
| Theft of the vehicle while in the carrier's care | Mechanical or electrical failures not caused by the carrier |
| Minor road debris or weather effects on open trailers, depending on the policy |
Damage caused by the carrier's negligence while loading, in transit or unloading
- Usually excluded
- Personal items left in the vehicle
Damage from accidents involving the truck
- Usually excluded
- Pre-existing damage recorded at pickup
Theft of the vehicle while in the carrier's care
- Usually excluded
- Mechanical or electrical failures not caused by the carrier
- Usually excluded
- Minor road debris or weather effects on open trailers, depending on the policy
4. Documenting your vehicle
- Wash the vehicle so damage is visible
- Take dated photos or video of every side, the roof, wheels and interior
- Check that existing damage is recorded on the Bill of Lading at pickup
- Keep a copy of the signed Bill of Lading
5. How to file a damage claim
- Note it at deliveryInspect the vehicle before signing and write any new damage on the Bill of Lading. Photograph it with the driver present if possible.
- Report it quicklyNotify the carrier in writing as soon as possible, ideally within 24 hours. Some contracts set strict notice deadlines.
- Send your evidenceProvide the signed Bill of Lading, pickup and delivery photos and repair estimates.
- Work with the insurerThe carrier or its insurer reviews the claim. Keep copies of all messages.
- Escalate if neededContact us for help reaching the Provider. You can also file a complaint with the FMCSA.
6. Your own auto insurance
Some personal auto policies cover a vehicle while it's being transported. Call your insurer before pickup to check, especially for high-value vehicles.
7. Contact us
Having trouble with a claim? Contact us with your booking reference and the carrier's name.
Common questions
Is my car insured during shipping?
Yes, by the carrier's cargo insurance, up to its limits and subject to exclusions. Ask for the certificate before pickup.
Does Haulwide pay damage claims?
No. Claims are handled by the carrier and its insurer. We can help you contact them and escalate problems.
How soon must I report damage?
As soon as possible, ideally within 24 hours of delivery, after noting it on the Bill of Lading.
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