Trucking Physical Damage

Trucking Physical Damage

Trucking Physical Damage

Learn what Trucking Physical Damage protects and why your business needs it. Ready for a quote? We'll help you understand your coverage options quickly and simply.

Learn what Trucking Physical Damage protects and why your business needs it. Ready for a quote? We'll help you understand your coverage options quickly and simply.

Learn what Trucking Physical Damage protects and why your business needs it. Ready for a quote? We'll help you understand your coverage options quickly and simply.

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What Is Trucking Physical Damage?

Trucking Physical Damage helps pay to repair or replace your covered truck if it’s damaged, stolen, or vandalized. It focuses on your vehicle, not injuries or damage you cause to others, and is commonly written as collision and comprehensive.

What Does Trucking Physical Damage Cover?

It typically covers collision damage plus non-collision losses like theft, fire, vandalism, hail, and falling objects. Coverage applies to listed vehicles, up to your policy limit, after the deductible.

Collision repairs after a wreck

Your driver clips a barrier on the 405 and the tractor needs body work and suspension repairs. Physical Damage can help cover the repair bill, minus your deductible.
Your driver clips a barrier on the 405 and the tractor needs body work and suspension repairs. Physical Damage can help cover the repair bill, minus your deductible.

Theft or attempted theft

A parked truck is stolen overnight, or thieves damage the ignition and doors trying to take it. Comprehensive coverage can help pay to replace the truck or repair the damage.
A parked truck is stolen overnight, or thieves damage the ignition and doors trying to take it. Comprehensive coverage can help pay to replace the truck or repair the damage.

Weather and road hazards

A windstorm drops a tree limb onto the cab, or hail cracks lights and dents panels. Physical Damage can help cover those non-collision repairs so you can get back on the road.
A windstorm drops a tree limb onto the cab, or hail cracks lights and dents panels. Physical Damage can help cover those non-collision repairs so you can get back on the road.

Trucking Physical Damage Made Simple

Everything you need to know about this coverage, from basic definitions to real-world application scenarios.

Is Trucking Physical Damage the same as liability insurance?

No. Liability pays for injuries or property damage you cause to others. Trucking Physical Damage is for your own truck, helping pay to repair or replace it after a covered loss like a collision, theft, or vandalism.

Does it cover the trailer too?

What’s the difference between collision and comprehensive?

How is the claim payout determined if the truck is totaled?

Will Physical Damage cover downtime or lost revenue?

Is Trucking Physical Damage required in California?

Is Trucking Physical Damage the same as liability insurance?

No. Liability pays for injuries or property damage you cause to others. Trucking Physical Damage is for your own truck, helping pay to repair or replace it after a covered loss like a collision, theft, or vandalism.

Does it cover the trailer too?

What’s the difference between collision and comprehensive?

How is the claim payout determined if the truck is totaled?

Will Physical Damage cover downtime or lost revenue?

Is Trucking Physical Damage required in California?

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© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.