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

1st Guard offers a "no deductible" program in most states to insureds who have an approved grille guard on their truck. How does it work? If you hit an animal and report a claim to 1st Guard, you won’t be charged your deductible. 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

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.

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.


Physical Damage Truck Insurance

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

Stated Value

To start physical damage coverage, you will have to provide the stated amount of your truck and trailer. The stated value you provide for your truck and trailer affects the cost of your physical damage policy. When determining a value, don't forget to consider any upgrades you may have made that could increase the value, or high mileage that may negatively affect the value.

Get A Fast, No-Hassle Physical Damage Quote!


This coverage extends your truck physical damage protection to scheduled personal items (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

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.


There may be multiple deductible options to choose from that can affect your premium. Raising the deductible amount can lower your premium. Let our customer service agents help you determine the right deductible amount for you.


Depending on where you live, there may be some additional costs added to your premium. State and County Taxes are required in some locations. However, these are normally a very low percentage of the overall premium.

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