What is Drive Away Liability/Collision?
Drive Away Liability/Collision insurance provides temporary coverage for vehicles being transported from one location to another, often by dealers, buyers, or transporters. This type of policy protects against damages or liability that may occur while the vehicle is in transit, either driven or towed.
Who Needs It
This coverage is especially useful for:
- Car dealers moving vehicles between lots or to customers
- Auto transporters or haulers
- Buyers purchasing a car from out of state and driving it home
- Individuals relocating a recently purchased vehicle
If you're responsible for moving a vehicle that isn't yet registered or added to a regular policy, Drive Away Liability/Collision helps bridge the gap in coverage.
What It Typically Covers
Coverage may include:
- Bodily injury and property damage liability to others if you cause an accident
- Collision coverage for damage to the vehicle you're transporting
- Medical payments for injuries to the driver or others in the vehicle
Coverage terms and limits depend on your policy and insurer. Always review your specific plan for details.
Common Exclusions and Limitations
Policies may not cover:
- Vehicles transported for personal use beyond a short, temporary period
- Losses due to mechanical breakdowns
- Unauthorized drivers or drivers without a valid license
- Damage to cargo or contents inside the vehicle
Exclusions vary by provider, so it's important to read your policy carefully.
Factors That Influence Cost
Several factors can affect the cost of Drive Away Liability/Collision insurance:
- Type and value of the vehicle
- Distance and route of travel
- Driver’s age and driving history
- Coverage limits and deductibles
Each application is evaluated individually, and costs vary by location and insurer.
Proof of Insurance & Compliance
Some states require proof of insurance before transporting unregistered vehicles. Even when not required, carrying insurance helps protect against unexpected financial losses. Keep a copy of your insurance documents during transport and confirm local compliance needs before driving.
How to Get a Quote
To get started, provide some basic information about the vehicle and your transport plans. Our team will help you find coverage that fits your needs. Get a quote today.
Frequently Asked Questions
Is Drive Away Liability the same as regular auto insurance?
No, it’s a temporary policy designed for transporting vehicles, not for long-term personal or commercial use.
Can I buy Drive Away coverage for a vehicle I just purchased?
Yes, this coverage is often used by buyers to insure a vehicle during the drive home after purchase.
Does this coverage include theft?
It may not include theft unless specified in the policy. Always check your coverage details.
How long does Drive Away insurance last?
Policies are typically short-term and may last from a single day up to a few weeks, depending on your needs and provider.
Do I need a special license to qualify?
Usually, only a valid driver’s license is required, but commercial drivers may need additional qualifications depending on the transport situation.
Still have questions? Talk to a local insurance expert.