Physical Damage Insurance

Liability? No worries, we’ve got it handled!

Physical Damage Insurance Covers:

  • Collision Coverage – Pays for damage to your truck resulting from a collision with another vehicle or object, regardless of fault.
  • Comprehensive Coverage – Covers non-collision-related damages, such as theft, vandalism, fire, hail, falling objects, or animal strikes.
  • Gap Insurance – Covers the difference between the truck’s actual cash value and the remaining loan balance if it is totaled.
  • Roadside Assistance – Covers towing, jump-starts, and other emergency services.
  • Rental Reimbursement – Pays for a temporary replacement vehicle while your truck is being repaired.

One Stop Truck Insurance Shop

We are your one-stop shop for all things truck insurance. Whether you need coverage for a single truck, a fleet, or specialized cargo, we offer a wide range of tailored solutions to meet your unique needs. With access to top-rated insurance providers and expert brokers, we simplify the process, ensuring you get the right protection at competitive rates—all in one place.

Physical Damage Insurance For Truckers

Physical damage insurance is optional unless required by a lender or leasing company, but it’s crucial for protecting your investment in your truck. It does not cover liability (damage or injuries you cause to others) or cargo.

Semi Trucks

Truck insurance provides essential coverage for commercial truck owners, protecting them from financial losses due to accidents, liability claims, and cargo damage. Whether you’re an independent owner-operator or manage a fleet, the right insurance policy ensures compliance, safety, and peace of mind on the road.

Box Trucks

Box truck insurance is designed to protect businesses and independent operators from financial risks associated with accidents, liability claims, and cargo damage. Whether you’re hauling goods locally or over long distances, having the right coverage ensures your truck, business, and livelihood stay protected on the road.

Business Vehicles

Business vehicle insurance provides essential coverage for companies that rely on cars, vans, or trucks for daily operations, protecting against accidents, liability claims, and vehicle damage. Whether you have a single company car or an entire fleet, the right policy helps keep your business moving safely and efficiently.

Fast Quotes & Service

At A Truck Insurance Agency, we pride ourselves on delivering fast quotes and exceptional service to keep your business moving without delays. Our experienced team works quickly to find the best coverage options, ensuring you get the protection you need at competitive rates—because your time on the road is valuable!

Trusted By Truckers Nationwide

We have partnered with top-rated, nationwide insurance providers that specialize in the trucking industry, ensuring reliable coverage tailored to your needs. Our commitment to fast service, competitive rates, and expert support gives our clients a peace of mind, knowing they’re protected on every mile of the journey.

Physical Damage Insurance FAQs

Have questions about truck physical damage insurance? We’ve got you covered! Below are some of the most common questions truckers ask about this coverage, including what it covers, why it might be required, and how to get the right policy for your business. If you need more information, our experienced brokers are here to help—contact us anytime!

No, it is not legally required, but if you are financing or leasing your truck, the lender may require it. Even if you own your truck outright, it’s recommended to protect your investment from costly repairs or total loss.

The insurance company typically pays the Actual Cash Value (ACV) of the truck at the time of loss, minus your deductible. If you have Stated Value or Agreed Value coverage, the payout may be based on the pre-agreed value.

Yes, Comprehensive Coverage under Physical Damage Insurance covers damages from natural disasters like hail, floods, hurricanes, tornadoes, and wildfires.

Yes, Collision Coverage covers damages if your truck is involved in an accident while hauling. However, it does not cover the cargo—cargo insurance is needed for that.

tailored insurance plans for smart truckers

Truckers face high insurance costs due to rising accident rates, expensive claims, and strict regulations. New drivers struggle to secure coverage, while larger fleets must comply with complex state and federal requirements. To stay protected and operational, truckers need tailored insurance solutions that balance affordability and coverage.