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:



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.


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.


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.

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.

Emergency Expense Reimbursement

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

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.


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.

Get A Fast, No-Hassle Physical Damage Quote!


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

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.

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.


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.


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