What Is It?

Physical damage coverage is an insurance policy that covers damage to your commercial truck or trailer resulting from a collision, theft, fire, vandalism, or other covered events.

Who's It For?

  • For Hire Dump Trucks
  • Long Haul Truckers
  • Produce Haulers
  • General Freight Haulers
  • Amazon Freight Haulers
  • Intermodal Carriers


What Is Offered?

  • Comprehensive Coverage
  • Collision Coverage
  • Protection against:
    • Accidents
    • Vandalism
    • Theft
    • Fire

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Physical Damage Insurance in California

What is Physical Damage Insurance?

Physical damage Insurance is an important part of many insurance policies, so it’s essential to understand what it is and how it works. In this page, we’ll explore physical damage coverage in detail and answer any questions you have about the coverage. We’ll explain what physical damage coverage is, what it covers, and how it can protect you financially in the event of an accident. By the end, you’ll have a better understanding of physical damage coverage and how it can benefit you.

Physical damage coverage is an insurance policy that provides financial protection for vehicles, such as cars, trucks, or motorcycles, against physical damages caused by a collision, vandalism, theft, fire, and other covered risks. This type of coverage is often included as part of a comprehensive auto insurance policy and pays for repairs or the replacement of damaged parts of the vehicle. Physical damage coverage can also cover loss of use expenses, such as car rental fees and towing fees, if you are unable to use your vehicle due to a covered event.

Physical damage Insurance is essential for commercial truck drivers who need additional protection from any kind of physical damage their truck may incur. Commercial truck insurance will typically include physical damage coverage along with liability coverage and cargo insurance for goods that are being transported in the truck. Depending on the state, physical damage coverage may be required for commercial truck drivers in order to operate legally on public roads. Physical damage coverage protects the value of commercial trucking equipment in case it gets damaged in an accident, so it’s important to make sure it’s included in your commercial truck insurance plan.

Furthermore, physical damage coverage may even cover the costs associated with cleaning up after a disaster like a fire or flooding onsite.


What Does Physical Damage Insurance Protect?

Physical damage coverage is an insurance policy that covers damage to your commercial truck or trailer resulting from a collision, theft, fire, vandalism, or other covered events. Physical damage coverage is not typically required by law but may be required by lenders or lessors if you have a loan or lease on your vehicle.

Physical damage coverage can be broken down into two main types: collision coverage and comprehensive coverage.
Collision coverage provides protection against damage to your commercial truck or trailer resulting from a collision with another vehicle or object, regardless of who is at fault for the accident.

Comprehensive coverage provides protection against damage to your commercial truck or trailer resulting from non-collision events such as theft, fire, vandalism, weather-related damage, or other covered events.

Physical damage coverage is typically subject to a deductible, which is the amount you must pay out of pocket before the insurance company will pay for the rest of the damage. The cost of physical damage coverage can vary depending on factors such as the age and value of the vehicle, the type of coverage selected, and the deductible amount chosen.

How Much Does Physical Damage Insurance Cost?

The cost of physical damage Insurance depends on a variety of factors, such as the type of vehicle being insured and the insurer.

Generally, physical damage coverage for a personal car is much less expensive than for a commercial truck. In general, physical damage coverage for a commercial truck insurance policy can range from $500 to $2,500 per year or more.

The exact cost of physical damage coverage will depend on the type and age of the truck, its value, the amount of coverage desired, and the risk level associated with the vehicle. It is important to shop around and compare different insurers to find the most competitive rates.


Is Physical Damage Insurance Required?

The answer to this question depends on the state you live in, as well as the type of policy you have. Generally speaking, physical damage insurance is not required by law. However, most lenders and leasing companies require that borrowers or lessees have comprehensive physical damage insurance. This type of coverage protects them in the event the vehicle is damaged and needs to be repaired or replaced. Additionally, many states have minimum requirements for physical damage coverage, so it’s important to check with your state insurance regulations to determine if physical damage coverage is required in your situation.


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Did You know?

  • Charles Fruehauf invented the first tractor trailer back in 1914 when a customer wanted a vehicle that could haul a boat.
  • 1 out of every 14 jobs in the United States is created or directly affected by the trucking industry.
  • Approx. two thirds of all domestic freight transported in the United States is carried by Truck
  • Tractor trailer need approx. 40 percent more time to stop than cars
  • It would take approx. 60 of today’s clean diesel tractor trailer to generate the same exhaust emission as one diesel tractor trailer from 1988
Source: Graystonext.com

When Should I Purchase Physical Damage Insurance?

The answer to this question depends on a few factors, including the type of vehicle you own, where you live, and your budget.

If you own an older vehicle that has depreciated significantly in value, you may want to consider purchasing physical damage coverage to ensure you’re covered in the event of an accident or other covered event. This coverage can also be beneficial if you’re leasing or financing a vehicle, as it helps protect the lender’s interest in the vehicle.

In addition, the state you live in and local laws may require you to carry physical damage coverage. Be sure to check your state’s laws to see what is required.

Finally, consider your budget and lifestyle when deciding when to purchase physical damage insurance. You don’t want to pay for coverage you don’t need, but you also don’t want to be stuck paying out of pocket for repairs if something happens to your vehicle. Consider how much money you can reasonably afford to spend on physical damage Insurance and what type of coverage makes the most sense for your situation.


What Are Some Things to Keep in Mind About Physical Damage Insurance?

Physical damage insurance is an important type of insurance to have if you own a vehicle. Before purchasing coverage, it is important to read through your policy and be aware of the specific details of your plan. Make sure you understand what is and isn’t covered by the plan so you won’t be surprised if you need to file a claim in the future.

Another thing to keep in mind about physical damage coverage is that it won’t cover any damage due to intentional acts or reckless behavior. It’s also important to understand that physical damage coverage won’t cover normal wear and tear on your vehicle.

Finally, you should always shop around to make sure you are getting the best deal on physical damage coverage. Different companies offer different rates and levels of coverage, so it pays to research your options and find the plan that fits your needs and budget.


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We can customize a California commercial truck insurance program to meet your specific requirements. This might vary from comprehensive coverage to liability-only coverage. 


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Physical Damage Insurance For All Vehicle Types

We can insure almost every sort of commercial vehicle. The following are the most often seen. If you’re searching for anything in particular, give us a call; we’re happy to assist you.


Physical Damage Insurance in CA? We've Got You Covered!

Regardless of the city in which you operate, we can assist you in putting together a competitive California Physical Damage insurance plan. We can assist you in any part in California, including…


Physical Damage Insurance

States We Can Offer Physical Damage Insurance

We are here to help you obtain a superior physical damage insurance. 


We can also offer commercial truck insurance to the neighboring states: Arizona, Nevada and Oregon.


Resources for California Truckers

The California Trucking Association advocates, promotes and defends California’s trucking industry.

The California Department of Transportation oversees California’s infrastructure mainly roads, underpasses and highways.

California Department of Insurance is the regulatory body that oversees the California insurance industry.

Federal Motor Carrier Safety Administration is the regulatory body that oversees the commercial motor vehicles in the United States.  Their job is to keep our roads and highways safe.

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