Things You Need To Know About Physical Damage Truck Insurance

Posted on: 10 April 2023

If you're a truck driver or run a trucking company, physical damage truck insurance is something that you need to think about. This type of insurance covers the actual physical damage done to your vehicle and can come in handy when the unexpected happens.

Take a look at what physical damage truck insurance is, how it works, and why you should get it for your business.

What Does Physical Damage Truck Insurance Cover?

Physical damage truck insurance covers any repairs needed due to an accident or other incident. It doesn't cover any medical costs associated with the accident — that would be covered by your health insurance — but it will cover the cost of replacing or repairing the parts damaged in the accident.

This includes both internal and external parts of your vehicle, such as tires, headlights, windshields, side mirrors, and any physical damage done to the body of the vehicle itself. In some cases, it may also cover mechanical repairs that might be needed due to wear and tear caused by regular vehicle use. But it's important to ensure that your policy covers all the areas you need by reading through the policy details.

How Does Physical Damage Truck Insurance Work?

If you are involved in an accident or other incident that results in physical damage to your truck, all you have to do is submit a claim with your insurance provider. They will then assess the situation and either send out their own repair team or reimburse you for any repairs made at an independent shop.

Depending on how severe the damage is and how quickly repairs are made, this process could take anywhere from a few days to several weeks. Just make sure you keep all receipts and other documentation related to the accident so that you can prove it when filing a claim.

Why Should You Get Physical Damage Truck Insurance?

Having physical damage truck insurance is essential if you want to protect yourself financially in case anything goes wrong while driving your vehicle. The cost of repairing any kind of vehicular damage can be quite expensive, so having this type of coverage can save you from having to pay thousands of dollars out of your own pocket for repairs if something goes wrong on the road.

Plus, many states require drivers to have certain types of auto insurance to operate their vehicles on public roads legally. So, not only should you consider getting physical damage truck insurance, but it might actually be required depending on where you live and drive regularly. 

For more information about commercial truck insurance, contact a local provider.