Protection for the trucks you have invested everything in.
Comprehensive and collision coverage for your tractors and trailers, regardless of who is at fault. When a unit is down, this is what gets it back on the road.
Prefer to talk it through? Call (954) 953-4845
In short
Physical damage insurance pays to repair or replace your own truck after a covered loss. Collision covers accidents; comprehensive covers non-driving events like fire, hail, theft, and vandalism. On a total loss it pays either the truck's actual cash value (ACV) or its agreed stated value.
What it covers
The protection this policy actually puts in place.
- Collision damage to your truck, whether or not you were at fault
- Comprehensive losses, fire, hail, theft, and vandalism
- Damage from named storms and hurricanes (critical for Florida-based fleets)
- Total-loss payout at actual cash value (ACV) or your agreed stated value
Who needs it
Is this coverage for your operation?
Physical damage is not mandated by every state, but it becomes required the moment you finance or lease a truck, lenders mandate it to protect their collateral. Even owned outright, replacing a tractor out of pocket is the kind of loss that ends operations.
Combining collision and comprehensive gives the broadest protection. On its own, physical damage is not full coverage: it excludes liability and injury costs, so it works best paired with your primary policy.
Why Road Ready for physical damage
The difference is how we place it.
Physical damage rates and terms swing hard on stated value, deductible structure, and how your equipment is scheduled. We make sure your units are valued correctly so you are neither overpaying on premium nor underinsured at claim time.
For storm-exposed fleets, carrier selection matters. We place with markets that honor comprehensive claims cleanly rather than fighting named-storm losses.
Common questions
Straight answers on physical damage.
Related coverage
Coverages that often ride alongside this one.
Ready to review your physical damage?
Talk to an agent who specializes in trucking. We will review your operation and place coverage with no gaps and no padding.