Physical damage insurance
Pays to repair or replace your own truck and trailer after a crash, fire, theft, or storm.
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What it pays for
- Collision: damage to your rig from hitting a vehicle or object, or a rollover
- Comprehensive: fire, theft, vandalism, hail, flood, and hitting an animal
- Towing, on many policies
What it leaves out
- Wear, mechanical breakdown, or tire damage on its own
- Damage to other people's property (that is liability)
- A trailer you do not own, unless you add trailer interchange or non-owned trailer cover
Who needs it
Owner-operators and fleets who could not pay to replace a truck out of pocket. If your truck is financed or leased, your lender will require it.
Requirements
Not federally required. Priced on the value you state for each unit and the deductible you choose.
Common questions
How is my truck's value set?
Most trucking policies use stated value: you declare what each unit is worth. Set it close to real market value; overstating it raises your premium without raising your payout.
Can I raise my deductible to lower the price?
Yes. A higher deductible lowers your premium. Pick one you could pay the same week a claim happens.