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Companies that use vehicles to conduct business must have commercial auto liability insurance policies according to most states’ laws.

But, meeting only the minimum legal requirements doesn’t provide your business with enough financial protection. Since commercial auto liability insurance only covers injuries and property damage suffered by others in an accident caused by you, we offer additional coverage to help your commercial auto insurance policy.

This includes physical damage insurance coverage which is a general term for a group of insurance coverages that protect your vehicle.

Which coverages construct the truck physical damage category?

Collision insurance

Collision insurance provides protection for your vehicle if it is damaged in an accident. This pays to repair or replace your vehicle if it: Collides with another object or Overturns or rolls

Comprehensive insurance

Comprehensive insurance provides protection for your vehicle if it is damaged by something other than a collision with a vehicle or object, or if your vehicle is stolen.

Fire and theft with combined additional coverage (CAC)

Fire and theft with combined additional coverage (CAC), also known as “limited comprehensive” or “specified perils” insurance, provides similar protection to that of Comprehensive insurance, except its coverage is limited to certain specific, non-collision incidents like: fire, theft, inclement weather, earthquakes, lighting, explosions, floods, vandalism, or collision with an animal.

There are a lot of risks on the road. Your truck can be put out of commission from damages in an accident or from fire, hail or other disasters. Protect it with a truck physical damage insurance policy

Do I need truck physical damage coverage?

If you have a loan on your vehicle, or if you want to fully protect your vehicle, you should consider purchasing a physical damage insurance policy. If your vehicle is leased, you probably are required to have physical damage insurance. If your vehicle is fully paid for, physical damage coverage is optional.

While physical damage coverages are optional, they can be an essential part of any commercial auto insurance policy. Your company vehicles can be very important to your business, and having a good policy that includes physical damage coverage can ensure that you protect them.