Coverage education
Insurance & Protection
Vehicles move under the transporting carrier’s cargo insurance — not a blanket LoadX policy that replaces it. This page is an educational overview of how coverage usually works when you book through a licensed broker.
- Carriers carry cargo insurance for vehicles in their care
- LoadX verifies carrier credentials as your licensed broker
- No invented guarantees — coverage depends on policy terms and facts
Overview
How protection works on a brokered shipment
LoadX Solutions Inc is a licensed auto transport broker (MC 1810077, USDOT 4555866). We arrange your shipment with motor carriers in our network; those carriers operate the trucks and carry cargo insurance for freight in their custody. LoadX does not own or drive the transport equipment.
As your broker, LoadX reviews carrier authority and insurance credentials before dispatch. That verification supports a safer booking process — it is not a promise that every loss is covered, or that any particular dollar amount will be paid. Actual coverage is governed by the carrier’s policy, exclusions and the documented condition of the vehicle.
Use this guide alongside the bill of lading overview. Careful pickup photos and an accurate inspection remain the foundation of any later discussion. For questions about a live shipment, contact support or start a quote to speak with a coordinator.
Coverage takeaways
- Cargo insurance is carried by the transporting carrier
- LoadX verifies authority and credentials as broker
- Pickup BOL and photos matter for any claim talk
- Personal items inside the vehicle are usually excluded
- Report concerns promptly through your coordinator
- This page is educational — not a coverage guarantee
Why LoadX
Why this distinction matters
Broker and carrier roles are different under federal transportation rules. Knowing who carries the cargo policy helps you ask better questions.
Broker arranges; carrier hauls
LoadX matches your shipment to a vetted carrier. The carrier’s driver loads, transports and delivers the vehicle under that company’s operating authority.
Insurance follows the carrier
Cargo coverage is tied to the transporting carrier’s policy. Understanding that relationship sets accurate expectations before pickup.
Documentation still comes first
Even with insurance on file, claims hinge on the bill of lading, photos and timely notice — not on marketing slogans.
Benefits
What LoadX does — and does not do
Credential checks
We verify that carriers in our network show active authority and insurance credentials before we assign your load.
A coordinator in the loop
If a condition concern appears at delivery, you have a named LoadX contact to help open the right conversation quickly.
Process clarity
We point you to inspection best practices and claim next steps without overstating what any policy will pay.
No false guarantees
We will not promise “fully guaranteed” outcomes. Honest education beats marketing language when money and vehicles are on the line.
The process
Coverage topics explained
Carrier cargo insurance
The motor carrier assigned to your load maintains cargo insurance for vehicles it transports. Limits, deductibles and exclusions vary by carrier and policy. LoadX does not invent or advertise specific coverage dollar amounts on this page.
FMCSA requirements
Interstate carriers must meet Federal Motor Carrier Safety Administration insurance and authority requirements to operate legally. LoadX works with carriers that hold active authority; you can also review public records via FMCSA SAFER for additional verification.
Coverage during transport
Generally, carrier cargo coverage applies while the vehicle is in the carrier’s care during the booked move. It is not the same as your personal auto policy, and it does not automatically cover every scenario. Policy language controls.
Customer responsibilities
Prepare the vehicle, remove personal belongings, participate in honest inspections and keep your own photos. Disclose inoperable status, modifications and access limits at booking. Those steps reduce disputes and support a clean condition record.
Filing a claim
If you believe transit damage occurred, document it on the delivery paperwork, notify your LoadX coordinator promptly and follow the carrier’s claim process. LoadX can help facilitate communication; the carrier and its insurer evaluate the claim. This is an overview, not legal advice.
Coverage limitations
Common limitations can include pre-existing damage, acts outside the carrier’s control, certain weather events, mechanical failure unrelated to handling, and personal items left in the vehicle. Never assume an item or condition is covered — ask your coordinator if you have a specific concern before shipping.
Preparation
Printable vehicle preparation checklist
Questions
Service FAQs
Does LoadX insure my vehicle directly?
LoadX is the broker arranging the move. The transporting carrier carries cargo insurance for vehicles in its care. We verify carrier credentials and support you if a claim discussion is needed; we do not replace the carrier’s policy.
Are my personal belongings covered?
Usually not. Most carriers exclude or severely limit personal items left inside the vehicle. Remove belongings before pickup — see our preparation guide.
Can you tell me the exact coverage limit on my load?
Limits vary by carrier and policy. Your coordinator can discuss the carrier assigned to your shipment. This website does not publish invented dollar figures or guarantee a specific payout.
What should I do if I see new damage at delivery?
Note it on the delivery inspection before final sign-off, photograph the area, and contact your LoadX coordinator immediately so the carrier claim process can begin. Review the BOL guide for inspection habits.
Is this page legal advice?
No. It is general education about how brokered auto transport insurance conversations typically work. For advice about your rights or a specific claim, consult the carrier’s claim materials and a qualified professional as needed.
Keep exploring
Related How It Works guides
Vehicle inspection & bill of lading
How pickup and delivery condition reports create the record claims rely on.
Why choose LoadX
Licensed brokerage, FMCSA registration and a nationwide insured carrier network.
How to book with LoadX
From instant quote to carrier assignment, tracking and delivery.
How it works
Questions about coverage on your route?
Talk with a LoadX coordinator before you ship — or get a live quote and ask about the carrier matched to your lane. Clear questions beat assumptions.
Licensed transport broker MC #1810077 · 9:00 AM – 8:00 PM · 7 Days a Week