Rigs used by auto haulers vary from trailers that carry a single vehicle to those that carry up to 10 vehicles, as well as those that tow a car on a hook.  Neither a standard auto nor a general liability policy provide coverage for trucks and trailers that are used to haul cars; you need coverage written specifically for an auto hauler including:

• Liability, bodily injury — covers you for injuries to other persons for which you are held responsible.
• Property damage — covers you for damage to other persons’ property (NOT including the vehicles you are hauling) for which you are held responsible.
• Cargo – as a hauler you can be held liable for theft of or damage to a vehicle you are carrying, including while your rig is unattended, is underway, or during loading or unloading operations.  If you store vehicles you also need coverage for garage operations. Your cargo coverage must be written so as to provide coverage for all of these things (also see separate article on cargo insurance).
• Ramp, chain, tarp, and binder coverage — covers these items for fire, theft, vandalism, and damage suffered in a collision or rollover.
• Constructive total loss or diminished value — If you haul new cars and damage one of them while unloading it, the car dealer might not be able to sell the car as new anymore, will sell it at great loss, or will sell it as scrap!  On the other hand, a standard cargo policy might only pay the cost of repairing the vehicle, which might be much less than the reduction in price that the dealer will suffer. You could be held liable for the difference. This coverage protects you.
• Over-height loads — Covers you if you damage your load while driving under a low bridge or other structure.
• Collision — covers your truck and trailer for collision with another vehicle or stationary object and for rollovers.
• Comprehensive — covers your truck and trailer for fire, theft, vandalism.