Enterprise Auto Transport is an owner-operated, federally licensed & bonded nationwide auto transport broker (USDOT #2273104 / MC #774106). All logistics are managed via our central dispatch at (239) 273-4649 — this is our only phone number.
Insurance & Claims
Cargo insurance and the bill of lading belong to the carrier, not the broker. Here is how deductibles decide who pays, why Enterprise is not responsible for damage, and what you should keep in your own insurance policy.
Get a no-obligation quote from Enterprise Auto Transport. Owner-operated, U.S.-based, and licensed with the FMCSA.
Verify before you book
You do not have to take any company's word for it. The Federal Motor Carrier Safety Administration keeps free public records on every licensed broker and carrier in the country. Here is exactly what to ask for and where to verify it:
Every legitimate broker and carrier must provide both on request. Our numbers: USDOT #2273104 and MC #774106. If a company hesitates or deflects, stop.
Go to safer.fmcsa.dot.gov and use the Company Snapshot search. Enter the MC or USDOT number and confirm the legal name, operating status and “Authorized” broker or carrier authority match what you were told.
In the FMCSA Licensing & Insurance portal (li-public.fmcsa.dot.gov), verify the broker's BMC-84 bond or BMC-85 trust fund is active. No active bond means no legal authority to broker your shipment.
If a company says they have a carrier for you but never sends you the carrier's name, DOT/MC number, driver contact and truck details, or you never get to see how much of your payment is going to the carrier, that is a red flag. A legitimate broker discloses the assigned carrier and explains the broker fee before you book.
When you check our records you'll find Enterprise Auto Transport, USDOT #2273104, MC #774106 — an owner-operated, federally licensed and bonded broker with offices in Naples, Florida and Minnesota. You can also read our full carrier vetting process.
Enterprise Auto Transport is a licensed broker. We arrange your shipment, vet the truck, and help you reach the right people if something goes wrong. The cargo insurance that actually pays for transit damage is held by the motor carrier who physically hauls your vehicle — never by the broker.
That distinction matters more than most people realize. Drivers and carriers are independent businesses, not our employees. We do not own their trucks, hire their drivers, or control their policies. What we can do — and do on every single dispatch — is verify that the carrier has active operating authority with the FMCSA and a current, in-force certificate of cargo insurance before your car is assigned.
You can request a copy of the assigned carrier's certificate of insurance from us before pickup. A refusal to provide one is a red flag, no matter who you are dealing with.
Think of Enterprise Auto Transport the way you would think of a travel agent. A travel agent finds the best flight, confirms the reservation and handles the paperwork — but the airline owns the plane, sets the fare and is responsible for the flight. We do the same thing for your vehicle move.
Our only responsibility is to negotiate the best realistic rate with licensed carriers on your behalf and present you with the best offer once those negotiations are complete. We cannot change any contract after it is signed, we cannot force a carrier to discount a fare it never agreed to, and legally only the carrier can offer discounts or modify the terms of the physical move.
The bill of lading is the legal contract and inspection record for the physical move. Because the carrier is the one hauling your vehicle, the controlling BOL is the carrier's document — signed by you and the driver at pickup, and again at delivery.
We provide a printable BOL on our website as a backup in case the driver arrives without one, but the carrier's own BOL is the document that governs the shipment. Make sure you leave pickup with a signed copy in hand or in your inbox before the truck leaves.
A cargo policy limit is the maximum the insurer will pay. The deductible is the amount the carrier absorbs before the insurer pays anything at all. Deductibles in this industry commonly run anywhere from $500 to $5,000, and sometimes higher on enclosed equipment.
This is the part almost no auto transport website will tell you plainly: if the damage to your vehicle is less than the carrier's deductible, the insurance company pays nothing. In that situation the carrier is expected to pay the repair out of their own pocket — and reputable carriers do exactly that, because their authority, their Central Dispatch rating and their future loads all depend on settling small claims cleanly.
So a $900 bumper scuff on a truck with a $2,500 deductible is not an insurance claim at all. It is a direct conversation with the carrier. A $12,000 repair on that same truck is an insurance claim, and the carrier still eats the first $2,500 of it.
Enterprise Auto Transport is not responsible for any damage to any vehicle. The carrier is solely responsible for damage that occurs while your vehicle is in the carrier's custody, control or possession. If the carrier refuses to pay for damage that falls below its deductible, or if the carrier otherwise fails to make you whole, that dispute is a civil matter between you and the carrier.
We will help you identify the carrier, pull the dispatch record and locate the insurance certificate from our file, but we cannot pay claims, adjudicate disputes or force a carrier to settle. That is the legal boundary between a broker and a carrier under federal transportation law.
Even though the carrier carries cargo insurance, we recommend keeping your own comprehensive and collision coverage active while the vehicle is in transit. Your personal policy may provide a backstop if the carrier's coverage is delayed, denied or insufficient for a specific loss.
Check with your insurance company before the move to confirm whether your policy covers transport-related damage and what documentation they would need. Do not assume the carrier's policy replaces your own.
We can pull and read a carrier's FMCSA authority status, their safety and inspection history, their Central Dispatch feedback, and their certificate of insurance showing the policy is active on the day of your pickup. We refuse loads to carriers who cannot produce those.
What we cannot do is guarantee how an independent carrier's insurer will adjust a claim, how quickly they respond, or what their deductible will be on your specific load. We are not the insurer and we are not the carrier's employer. Any broker who promises you a guaranteed payout is selling you something they do not control.
Because carriers are independent, we are not locked into one fleet and one route map. We can shop your lane across a national network, hold carriers to a verification standard, and walk away from any truck whose paperwork does not check out — something a single-fleet company cannot do for you.
When a claim happens we already have the dispatch record, the signed bill of lading, the carrier's insurance certificate and a working relationship with that carrier. That is leverage most customers do not have on their own.
The honest risks are these: the carrier's deductible may exceed your damage, which turns the claim into a direct negotiation with the carrier rather than an insurance payout. Claims can take weeks. Some policies exclude acts of nature such as hail on open carriers. Personal items left in the vehicle are never covered. And pre-existing damage that was not documented at pickup will be denied every time.
The single biggest predictor of a successful claim is documentation at pickup — not the size of the policy limit.
Before the driver loads, photograph the truck and trailer, the trailer license plate, and the driver's CDL. Then photograph your car from the front, back, both sides and the top, and take a short video of it actually being loaded. Photos taken the week before do not carry the same weight with an adjuster — they must be from the day of pickup.
At delivery, inspect the car before you sign. Note any new damage on the bill of lading in writing, photograph it immediately, and call us the same day. A signed clean bill of lading is the hardest thing to argue past.
All claims are filed against the carrier and their insurer, not against Enterprise Auto Transport. As the broker we supply the dispatch record, the carrier's insurance information and the bill of lading, and we stay on the carrier until the matter is resolved. We do not carry cargo coverage on your vehicle, and no honest broker does.
If the repair estimate lands under the carrier's deductible, expect the carrier to settle it directly. If it lands above, the insurer takes over and the carrier still absorbs the deductible portion. Either way the carrier — not Enterprise — is the party responsible for making you whole for verified transit damage.
Key takeaways
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