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Physical Damage Insurance

What is Physical Damage?

Most commonly referred to as Comprehensive and Collision coverage in personal auto insurance, the commercial trucking industry recognizes these combined coverage as Physical Damage.

Comprehensive coverage takes care of most damages to your vehicle at the time of an accident that’s not caused by a collision. Comprehensive covers losses like:

  • theft
  • fire
  • vandalism
  • hail
  • hitting an animal
  • falling objects from a tree

Essentially, most damages caused to your vehicle outside of a collision will most likely be covered by this coverage.

Collision coverage on the other hand, covers damages to your vehicle in the event you are involved in an accident and you are considered to be at-fault. Your primary liability coverage covers the victim while your collision coverage covers your vehicle.

These two coverages work together to provide a thorough coverage to your vehicle. Combined they are referred to as Physical Damage.