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Physical Damage Truck Insurance
Physical damage truck insurance, sometimes referred to as collision coverage, pays to fix or replace damaged tractors and trailers. 1st Guard® has very competitive physical damage options. We also offer low deductible policies so our customers do not have to struggle with high out-of-pocket costs when claims occur. Available physical damage coverages listed below.

blue box Extended Towing
While accidents can occur anywhere in the country you may prefer to have your vehicle repaired at a shop closer to your home. Extended towing coverage pays to tow your vehicle from the scene of a covered loss to any repair location of your choice within 2,000 miles. Extended towing coverage can be added to your physical damage policy.

blue box Downtime
You can add downtime coverage to your physical damage policy to give you added protection against lost income if you have a covered loss. Downtime coverage can help you keep your truck payment and other bills current if a covered loss renders your vehicle inoperable for an extended period of time.

blue box Loan Gap
Sometimes trucks depreciate faster than truck loans. Loan gap coverage can help assure that a total physical damage loss does not leave you owing your lienholder more than the claim settlement value of your truck.

blue box Emergency Expense Reimbursement
This coverage reimburses you for any extra lodging, transportation and telephone expenses you might incur as a result of a covered physical damage loss. Add emergency expense reimbursement coverage to your physical damage policy today.

blue box Truck Rental Reimbursement
Having a physical damage loss doesn't mean you have to stop trucking. When you add truck rental reimbursement coverage to your physical damage policy you can rent a replacement vehicle and receive reimbursement for a large part of the rental cost.

blue box Contents
This coverage extends your truck physical damage protection to scheduled personal items (computers, tools, televisions, etc.) you keep in your truck.

blue box Deductible Buy-Back
If your trucking company makes you contractually responsible for cargo or trailer damage this coverage will come in handy. You can add it to your physical damage policy with a limit of up to $10,000.

blue box Tarps, Chains and Binders
An essential coverage for anyone who operates a flatbed trailer as these items are frequently lost or stolen. When you add Tarps, Chains and Binders coverage to your physical damage policy you will have important protection for these expensive components.




Who is 1st Guard?
Better lease operators pay better rates.
1st Guard is an "A" rated commercial truck insurance company selling Physical Damage & Non Trucking Liability insurance DIRECT to truckers. We have the best rates, best claims service and best technology for truckers.

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