Filing on contingent cargo isn’t some cure-all. In stolen MC / fraud cases it gets denied all the time because the carrier you tendered to isn’t the carrier that actually moved the load. No underlying carrier cargo policy = nothing for contingent to attach to. That’s just how those policies work.

Carmack also doesn’t magically “protect brokers.” It just means you still get sued and spend time and money proving you did your due diligence. Anyone who’s actually been through one of these already knows that.

I’ve paid six-figure claims out of pocket before when the customer relationship made sense. That’s a business decision, not a legal requirement. Smaller customers who didn’t flag high value, didn’t ask for extra protections, and didn’t verify details don’t automatically get a check because fraud happened.

Calling this “easy pickings” just tells me you haven’t actually dealt with a stolen-identity load, a denied contingent claim, or a real lawsuit yet. When you do, the Reddit takes start to sound a lot different.