Physical Damage Insurance

Physical damage truck insurance, sometimes referred to as collision coverage, pays to fix or replace damaged tractors and trailers. It covers your rig 24/7, whether operating for personal or business use. In addition you can enhance your physical damage protection with a variety of coverage options:

PHYSICAL DAMAGE FEATURES:

Towing

1st Guard will cover the full cost of towing your vehicle to the nearest capable repair facility in the case of an accident where your vehicle is rendered inoperable due to a covered loss.

Grille Guard

"No Deductible" program in most states to insureds who have approved grille guards installed on their truck. If you hit an animal and report a claim to 1st Guard, your deductible is waived. A grille guard will protect your truck and put savings back in your pocket.

One Deductible

If both your truck and trailer are involved in a single accident, there is usually only one deductible.


The Trucker Premier endorsement package is an add-on package for your physical damage truck insurance policy. This package combines Extended Towing, Truck Rental Reimbursement, and Roadside Assistance for one low price.

  Extended Towing

Accidents can occur anywhere in the country. You may prefer to have your vehicle repaired at a shop closer to your home. Extended towing pays to tow your vehicle from the scene of a covered loss.

It pays to tow to a repair location of your choice within 2,000 miles. Extended towing coverage can be added to your physical damage policy.

  Truck Rental Reimbursement

Don't stop trucking after having a physical damage loss. Truck rental reimbursement allows you to rent a replacement vehicle. You will receive reimbursement for a large part of the rental cost.

  Roadside Assistance

This coverage will reimburse you for roadside assistance services if a designated truck or trailer is rendered inoperable owning to a mechanical malfunction that occurs more than 100 miles away from the address listed on the policy.

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PHYSICAL DAMAGE QUESTIONS:

BUNDLED PHYSICAL DAMAGE INSURANCE WITH MY SEMI TRUCK LOAN?

Almost never! You will likely pay higher premiums and interest charges as well. Plus, the salesman can earn commission for packaging the insurance.

Before committing to this type of arrangement, call us today at (800) 995-4827. You'll be surprised how much you can save when you buy your truck insurance direct!

WHAT MAKES US DIFFERENT?

With 1st Guard you deal directly with your insurance company. There’s no agent or middleman taking a cut of your premium. As a result, we can offer you very competitive rates. Plus, if you have a claim you will deal directly with our in-house licensed truck insurance adjusters.

Our people do nothing but work on truck claims all day long. They’re experts at getting you back on the road fast. More than that, when you call 1st Guard real people still answer the phone. You won’t have to navigate through ten menu items to speak with someone. If you need something after hours you can always manage your account online 24/7.

ANY TIPS FOR REDUCING MY INSURANCE PREMIUMS?

You bet! Check out the Truck Insurance Features or call us today at (800) 995-4827. Let our customer service agents walk you through your options.

DOES YOUR TOWING COVER BREAKDOWN?

You're covered after an accident. We cover full cost to tow your vehicle to the nearest capable repair facility if rendered inoperable due to a covered loss.

HOW MUCH IS THE DOWN PAYMENT?

Most insurance companies want six months of premium to start a policy. At 1st Guard, we charge you monthly. Get started without having to spend a ton of cash.

WHAT IS YOUR CANCELLATION POLICY?

There can be many reasons you might need to cancel your truck insurance. We understand the trucking industry, and know how quickly things can change. If you need to cancel your insurance, just give us a call at (800) 995-4827. We will get you a pro-rated refund for any unused premium.

PHYSICAL DAMAGE RATES:

Physical Damage Truck Insurance

When you lease or buy a truck, it can be a large investment. Physical Damage Insurance protects your investment. It pays to fix or replace damaged tractors and trailers. It covers your rig 24/7, whether operating for personal or business use.

Stated Value

When starting physical damage it is important to provide the stated amount of your truck and trailer. The stated value for your truck and trailer affects the cost of the policy. Consider upgrades when determining a value, they could increase the value. Consider high mileage that may lower the value.

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PHYSICAL DAMAGE OPTIONS:

Contents

Extend your truck physical damage protection to scheduled personal items. Items like computers, tools, televisions, etc. you keep in your truck.

Loan Gap

If your truck depreciates faster than your truck loan, you need loan gap coverage. Make sure you don't get left owing your lienholder more than the claim settlement truck value.

No Deductible Glass

This option allows you to eliminate the deductible for windshields.

Tarps, Chains and Binders

Essential coverage for anyone who operates a flatbed trailer. Tarps, chains, and binders are often lost or stolen. This option gives protection for these expensive items.

Deductible

We have multiple deductible options to choose from. Raising the deductible amount can lower your monthly premium. Our customer service agents can help you determine the right option for you.

State

Depending on where you live, there may be required State and County taxes. These are normally a very low percentage of the overall premium.

Emergency Expense Reimbursement

After a covered loss, we reimburse you for emergency expenses. It covers any extra lodging, transportation and telephone expenses.

Downtime

Downtime coverage gives protection for lost income after a covered loss. If you're down for an extended period of time, downtime coverage can help keep your truck payment and bills current. Available as an addition to your physical damage policy.

EQUIPMENT QUESTIONS:

Do we insure very high value tractors?

Look no further! 1st Guard can insure equipment up to $300,000 in value. Very few tractor and tractor trailer combinations would exceed this limit. In most cases we can accommodate your high value truck insurance needs.

I have a loan on my truck, and my lienholder/finance company wants proof of my truck insurance coverage. What should I send them?

These companies want proof of your physical damage insurance coverage. Just give us a call and we'll handle this for you. You can also download proof of your physical damage coverage online. You can fax or email it to anyone you wish.

TRUCKING COMPANY QUESTIONS:

Can I keep my coverage if I change trucking companies?

Usually yes, and better yet, your rate should not change. Your situation may affect your policy premium.

Can my trucking company force me to purchase truck insurance through their in-house insurance program?

Generally, no. Trucking companies offer settlement deducted insurance programs for convenience. Most of the time, you are able to buy your own truck insurance.

Check with your company first. Then call us and see just how much you can save!