Separate each type of vehicle use
Identify owned, leased, rented, employee-owned, and contractor vehicles. Describe delivery, sales, errands, interfacility transport, and any transportation performed for others.
Connect drivers, routes, and custody
Show who drives, how drivers are screened, typical territory, vehicle storage, security, and what property is carried. Contracts should clarify when the business accepts or transfers custody of goods.
Auto questions to resolve before submission
- Which vehicles and drivers are used for each business purpose?
- Do employees or contractors use personal, hired, or rented vehicles for the company?
- Who owns and insures goods while they are being transported?
What CARMA wants the submission to explain
These details help the team understand the account and identify the next useful question. They do not establish eligibility or available terms.
- Separate owned, leased, rented, employee-owned, and contractor vehicles and explain how each is used.
- Describe delivery, interfacility transport, sales travel, errands, and transportation performed for others.
- Reconcile drivers, vehicles, radius, cargo, contracts, motor vehicle records, and prior losses.
Records for a commercial auto review
- Vehicle schedule, driver list, motor vehicle records, garaging, and operating radius
- Description of delivery, hired and non-owned use, security, and driver controls
- Transportation contracts, cargo values, current policy information, and auto loss history
Can CARMA consider this account?
CARMA confirms program fit, licensing, state availability, coverage options, and market interest for each account. This guide does not promise eligibility, terms, pricing, or placement.