What is Physical Damage Coverage?
Auto physical damage insurance protects your investment in your commercial vehicles. Unlike liability insurance which covers damage you cause to others, physical damage coverage pays to repair or replace your own vehicles.
This coverage is essential for protecting your fleet investment and keeping your business operating after an accident or covered loss. It includes both Collision and Comprehensive coverage components.
Types of Physical Damage Coverage
Pays when your vehicle collides with another vehicle or object, regardless of fault.
- Accidents with other vehicles
- Single-vehicle accidents
- Hitting objects (poles, guardrails)
- Rollover accidents
Covers non-collision events including theft, vandalism, and natural disasters.
- Theft and attempted theft
- Vandalism and malicious mischief
- Fire and explosion
- Glass breakage
Protection against damage from natural events.
- Hail damage
- Flood and water damage
- Wind and tornado
- Falling objects
Additional coverage for common issues.
- Roadside: $300 aggregate per vehicle
- Windshield replacement: $100 deductible
- Chip repair: No deductible
- Towing and labor
Deductible Options
Choose a deductible that fits your budget. Higher deductibles mean lower premiums, but more out-of-pocket costs when you file a claim.
$1,000
Minimum deductible for collision and comprehensive
$2,500
Popular choice for balanced protection
$5,000+
Maximum savings on premiums
Frequently Asked Questions
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