If you’re involved in one-time vehicle delivery, whether for a dealership, auction, or private sale, you’re exposed to a unique set of risks during transport. Traditional auto insurance typically doesn’t apply when a vehicle is being delivered without being registered or owned by the driver. This is where drive-away insurance comes in—specifically designed to cover those short-term, high-risk moments on the road. Without this type of coverage, a single incident could result in severe financial loss, and you may be held liable for damages or injuries that occur in transit. Understanding your responsibilities before the trip begins is critical to protecting the vehicle and your business.

Why Standard Auto Policies Don’t Cover Drive-Away Situations

You might assume your commercial auto insurance or even a personal policy will cover you while transporting a car from point A to point B, but that’s rarely the case. In most one-time vehicle delivery operations, the driver isn’t the owner or titleholder of the vehicle. As a result, there’s often a gap in liability coverage between the seller and the buyer. If an accident happens during this window, neither party’s insurance may accept responsibility. Drive-away insurance fills that gap by offering coverage for physical damage, liability, and, in some cases, cargo or additional equipment. It provides peace of mind for the driver and the company involved in the transfer.

How Drive‑Away Insurance Protects Your Business

The risks might seem minimal when you deliver a vehicle just once. However, even short trips carry potential hazards. Consider the cost of repairing or replacing a car involved in a crash, especially if it hasn’t yet been registered to a new owner. With drive-away insurance, you gain coverage against collisions, theft, vandalism, and damage caused by weather or road conditions. In many cases, this also includes liability coverage for bodily injury or property damage to others. Whether you’re a small business operator or an independent contractor handling occasional deliveries, this policy protects you financially from unexpected setbacks.

Who Needs Drive-Away Insurance and When to Get It

You should consider this coverage if you’re responsible for transporting a vehicle you don’t own, especially during a limited-time assignment. This applies to independent haulers, auction representatives, dealership employees, and logistics contractors. If you’re moving a vehicle across city lines—or even across states—you’ll need to meet insurance requirements that vary by location and transport length. Some states require temporary permits and proof of financial responsibility during transport; drive-away insurance can help you meet those criteria. It’s not just for large-scale companies—anyone who handles vehicle delivery, even once, can benefit from this short-term solution.

Protect Your Investment and Reputation with the Right Coverage

A single accident during a drive-away delivery could cost thousands of dollars and damage your professional reputation. You may be left to cover vehicle repairs, medical bills, or legal fees without proper insurance. But with the right policy, you can focus on confidently completing your delivery. Surefire Insurance Agency can help you assess your unique needs and find the coverage that suits your operations. With their expertise, you can feel confident that your drive-away transport is fully covered, allowing you to focus on running your business without worrying about potential liabilities. If you’re ready to secure the right insurance for your business, call Surefire Insurance Agency at (323) 996-3478 today.