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
Available physical damage coverages listed below.
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.
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.
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.
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.
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.
This coverage extends your truck physical damage protection to scheduled personal items
(computers, tools, televisions, etc.) you keep in your truck.
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.
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.