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Physical Damage

Los Angeles Physical Damage

If you are in the trucking business then your truck is your livelihood. You’ve invested a lot in it and it’s your main source of income. Consequently, if your truck is stolen or damaged, it could be a financial disaster. Your business would be interrupted and you’d have to repair or even replace your truck. To avoid losing tens of thousands dollars you’ll need optimum Physical Damage coverage.

Physical Damage protects your vehicle in accidents no matter who’s at fault. Unlike Liability Insurance it covers your truck even if you’re responsible in a crash.

Los Angeles Physical Damage Coverages

There are two parts in Physical Damage Insurance. The first is Collision Insurance. It will pay if your truck sustains damage in a crash or as a result of collision with another object. It will also cover the damage if your truck has overturned.

For all other situations there’s the second coverage: Comprehensive Insurance. It’ll cover damage done to your truck outside of a collision.

Some types of trucks also require a special kind of Physical Damage Coverage called CAC – Combined Additional Coverage. Sometimes it is also referred to as Fire and Theft coverage. It covers the vehicle in specific non-collision situations such as:

  • physical damageTheft
  • Fire
  • Lightning
  • Storm or hail
  • Flood
  • Earthquake
  • Vandalism
  • Sinking
  • And other various situations.

Why Do You Need Physical Damage coverage?

Physical Damage is typically required for leased vehicles. It’s also crucial to have this kind of coverage when you haven’t paid off your truck yet. But even if you are a sole owner of your truck, it’s too risky not to have it.

Contact Los Angeles Truck Insurance and let us assist you with your Commercial Truck Insurance. We’re looking forward to working with you!