Physical damage cover for your own equipment.
Liability pays for the other driver. Physical damage is the coverage that repairs or replaces your tractor and your trailer — and it is the one your lienholder reads.
- Stated value matched to your lien
- Comp, collision, fire, and theft
- Downtime and rental options
Physical damage
Where the line falls
Physical damage repairs or replaces your own equipment after a collision, fire, theft, vandalism, or weather loss. We set stated value against your loan balance so a total loss does not leave you upside down, and we add rental reimbursement or downtime coverage when your operation cannot absorb an idle week.
The line: the equipment is yours
This side — Physical damage
Your tractor and your trailer, after a collision, fire, theft, vandalism, or weather loss.
The other side
Harm to other people and to their property is a liability question, and a different policy answers it.
Primary auto liabilityWhat it answers for
- 01 Collision damage to your tractor or trailer
- 02 Fire, theft, vandalism, and weather losses
- 03 Stated value set against your loan balance, so a total loss does not leave you upside down
- 04 Rental reimbursement or downtime cover, when the operation cannot absorb an idle week
Who asks for it
- 01 Lienholders and finance companies holding a note on the equipment
- 02 Lease agreements that name a stated value or a deductible ceiling
- 03 Owner-operators whose truck is the business
Questions
- What is the difference between physical damage and liability?
- Liability pays for damage you cause to other people and their property, and it is federally mandated. Physical damage repairs your own truck and trailer, and it is required by your lienholder rather than by FMCSA.
Quote desk
Send it once. We market it to every carrier.
Give us the operation details and your MC or USDOT number. An agent pulls your safety profile, shops the risk across our markets, and comes back with real numbers.
We brought back what you entered last time, on this device only.
Get covered
Tell us what you haul. We will build the policy around it.
(713) 904-4970 · insurance@truckingservice.net