Physical Damage Insurance
Physical damage insurance covers your own trucks against collision, theft, fire, vandalism, and weather — paying to repair or replace your vehicles so a loss doesn't take a truck off the road for good.
Physical Damage Coverage for Your Trucks
Commercial auto liability pays for damage you cause to others. Physical damage coverage pays for damage to your own trucks — and for a work-truck business, an out-of-service vehicle means lost revenue, not just a repair bill. Physical damage keeps your fleet earning.
Collision and Comprehensive
- Collision: Damage from hitting another vehicle or object, or an overturn
- Comprehensive (other than collision): Theft, fire, vandalism, hail, flood, and animal strikes
- Glass and towing: Often included or available as add-ons
- Rental reimbursement / downtime: Helps cover a replacement vehicle while yours is repaired
Valuation Matters
How a totaled truck is valued — actual cash value vs. stated amount vs. replacement cost — makes a big difference at claim time, especially for upfitted service trucks worth far more than a base model. We make sure your valuation reflects the real cost to put an equivalent, equipped truck back on the road.
Upfit and Equipment
A service truck is more than a chassis — racks, lifts, toolboxes, and built-in equipment add real value. We coordinate physical damage with tools & equipment coverage so both the vehicle and what's built into it are properly insured.
What's Covered
Frequently Asked Questions
No. Liability pays for damage you cause to others; physical damage pays to repair or replace your own trucks after a covered loss. Work-truck businesses need both.
It depends on your policy's valuation basis — actual cash value, stated amount, or replacement cost. For upfitted service trucks, we set valuation to reflect the real cost of an equivalent equipped vehicle.