Commercial Auto Liability
The filing the FMCSA requires before your authority goes active.
Why Cargova
Same coverage. Different outcome.
We work the file by hand
An agent picks which markets see your submission. On a hard file that's most of the outcome.
We tell you when to walk
If this isn't the coverage you need, you'll hear that before you hear a price.
We stay after the bind
Filings, certificates, renewals — the same agent, not a queue.
In short
What commercial auto liability is.
Covers bodily injury and property damage you cause to others while operating commercially. Interstate carriers file proof of it with the FMCSA before authority activates.
Limits, deductibles and exclusions depend on your operation and the carrier writing it.
Scope
Generally in, generally out.
A rough map. Your policy wording governs — ask your agent about anything here.
Typically addressed
- Injury to other people in an at-fault accident
- Damage to other people's property
- Legal defence costs tied to a covered claim
- The MCS-90 endorsement where required for filing
Typically not
- Damage to your own tractor or trailer
- The freight you are hauling
- Miles driven off dispatch
Free · No obligation
Quote my auto liability
Four fields. A licensed agent reviews it and calls you back — no auto-quote, no bot pricing.
Auto Liability questions
How much liability do I need?
Federal minimums start at $750,000 and rise with the commodity you haul. Brokers and shippers frequently require $1,000,000. Your agent confirms what applies to your operation.
How fast can the filing go in?
Filings are submitted once coverage is bound. Timing depends on the carrier and the FMCSA queue — your agent gives you the realistic window for your file.