Physical Damage

In the trucking industry, Physical Damage coverage is one of the most important insurance policies.

Physical Damage coverage protects the owner-operator when his/her unit is damaged. If you have a loan or lease on the vehicle, Physical Damage is typically a coverage that you are required to carry. If you own the vehicle and hold the title, you can choose not to have this coverage but most owner-operators will find that maintaining Physical Damage insurance is prudent. Physical Damage generally includes two parts:

  • Collision Coverage – Collision involves damage to a vehicle when it collides with another object.
  • *Comprehensive – Comprehensive is defined as anything other than collision. Comprehensive covers loss caused by theft, fire, vandalism and more.

When considering your next insurance purchase, the agents at Mid South Truckers Group will work with you to develop a coverage package that meets your insurance needs. Our team specializes in insurance for owner-operators and fleet. We strive to make the binding process quick and easy for everyone.

Contact our office toll free by dialing 888-641-3753 or complete the form on this page to receive an insurance quote for your truck or fleet. Additional information may be required when quoting coverage for small and large fleets.

*Because Comprehensive coverage is defined as “anything other than collision” it is much broader than Specified Perils coverage, which is frequently sold to truckers. Comprehensive provides coverage for loss caused by theft, vandalism and fire, plus any other peril that does not involve collision.


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