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.

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

Non-Trucking Liability Truck Insurance
Simply stated non-trucking liability truck insurance provides a permanently leased owner operator with a limited form of liability protection. Specifically it applies when a covered vehicle is operated solely for personal and non-economic purposes. Non-trucking liability truck insurance never applies when an owner operator pulls a loaded trailer, operates on behalf of a trucking company or uses a vehicle for any revenue generating purpose like trip leasing. These types of activities normally fall under the primary auto liability truck insurance provided by a trucking company.

Occupational Accident Truck Insurance
Occupational Accident Truck Insurance provides owner operators with an affordable source of indemnification for work accident injuries. This coverage offers important benefits for Accidental Death and Dismemberment, Accident Medical and Accident Disability Income. It is suitable and effective for owner-operators who do not fall under the requirements of worker's compensation statutes.

Worker’s Compensation Insurance For Fleet Owners
Most states require fleet owners with employee drivers to carry workers compensation insurance. This coverage option is available only to fleet drivers participating on our select motor carrier sponsored occupational accident programs.

Download an occupational accident application here.

Credit Card (automatic payment option #1)
We accept Visa, MasterCard, American Express, and Discover. We also offer an automatic payment plan where we bill your credit card once a month. This will eliminate deposit and escrow requirements and in most cases lower your monthly premium. You may also make your payment by credit card over the internet.

Download an automatic credit card form here.

Direct Debit - ACH (automatic payment option #2)
This billing option allows you to set up your account to have your premium payment automatically withdrawn from your checking or savings account. With direct debit you will never have to worry about making premium payments while you are on the road and as with credit cards, in most cases, this will lower your monthly premium.

Download a direct debit form here.

Check
We accept personal checks, company checks, or money orders as payment on your account.

Comcheck
Comchecks are also accepted as payment.

EFS Checks
EFS checks are also accepted as payment.

Check by Fax
Don't have a credit card and need to get your insurance right away? We can accept a check as payment immediately if you fax it to us. Just call first so we can verify the check information once received.

Fleet Deduction
Have your premiums deducted directly from your settlement check when your trucking company signs up with 1st Guard Corporation.

Passenger Accident Insurance
Passenger accident insurance is for friends and family members who travel with an owner operator and are injured during an accident. Passenger accident insurance offers affordable protection and peace of mind for those times when someone else comes along for the ride.