Physical Damage Insurance

Trucking liability insurance coverage can be a great thing.  There is hardly a better feeling than knowing that if you are the victim of an accident, you will not be responsible for paying the steep repair and medical bills.  Likewise, if you cause an accident you know that you will not be responsible for the full burden of covering repair and medical bills for the other motorist.

Truck drivers are even more grateful for this type of truck insurance because driving is their job.  They may spend over 20 hours a day on the road, which greatly increases the likelihood of them being involved in some form of collision.  They also drive very large and/or complex vehicles that require great skill to maneuver properly. But liability coverage isn’t enough to protect your own assets if you’re at fault in an accident—for that, physical damage insurance policies must be added toy your trucking liability insurance coverage.

Trucking Liability Insurance Doesn’t Cover Everything
Unfortunately, truck drivers do need to worry about damage to their assets.  No asset is of greater value to a trucker than his or her truck.  Liability coverage will only go so far as to cover damage costs due to accidents when the truck driver is not at fault.

When at fault, the full cost of repairs to the truck falls on the driver.  Also, if a truck is damaged in a storm, stolen, or vandalized, the truck driver is responsible for repair or replacement costs.

Physical Damage Coverage

In order to keep from having to deal with these hefty bills, truck drivers (especially independent owner/operators) should purchase physical damage coverage.  Physical damage coverage protects drivers in all of the events mentioned above and is the perfect complement to a primary trucking liability insurance policy.

Other Suggested Trucking Insurance Reading:
For more related trucking insurance info, check out some of our other truck insurance articles like: Truck Insurance: Primary Liability Insurance Explained or Truck Insurance: Bobtail Insurance for Independent Owner/Operators