Physical Damage Truck Insurance

Physical Damage Truck Insurance Overview

Described as First Party Insurance this coverage provides you protection for your investment in truck and trailer equipment. It is provided on a specified perils or comprehensive basis and collision. The choice to select specified perils over comprehensive is generally due to price considerations. Western Truck Insurance almost always recommends comprehensive coverage as the price difference is generally not enough to risk having a claim denied.

Physical Damage Deductible

Both the types of coverage contain a deductible that you are responsible for in the event of a claim. The selection of that deductible (commonly set at $1000) is a discussion you should have with your agent. Higher deductibles reduce your cost of the insurance.

Determining Value of Your Equipment

Equipment is valued under 2 methods; either stated amount or actual cash value. Most heavy truck insurance companies provide physical damage on a stated amount basis. You need to determine and insure your equipment its’ current market value. This can be tricky, and you should discuss with your insurance agent. Some insurance companies provide actual cash value basis which eliminates the guesswork of stating a value. In all cases, the insurance company will provide the lower of the cost to repair or replace the equipment at current market valuation in the event of a claim.

Towing Reimbursement

Another important consideration is to determine how much reimbursement for towing expenses is included in this coverage. Towing, recovery, and storage costs, after an accident, are significant and if your physical damage insurance policy does not provide enough you could be responsible to pay a tremendous amount out of your own pocket. Make sure you understand this important provision.

Also consider a Commercial Truck Roadside Assistance plan to help cover expenses.

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Mike was fast and made it really easy for me to get my truck in working status. Great Work.

Cindy was awesome! We needed affordable insurance right way. Cindy did her due diligence and found us a great deal. Thank you so much!!!

My small business has had a great experience working with Western Truck Insurance. Our broker is Karen Eernisse aka "The Truck Lady." She was tenacious in finding the best policy for our fleet last year, and it was a seamless renewal process this year. We appreciate her energy and passion for helping clients with their unique needs.

Cindy is amazing. I struggled to get insurance for a new authority. She helped me with no problem. She got me the best quote and with a reliable insurance company. Thank you Cindy !!!!

Karen is extremely helpful and knowledgeable in her field! She quickly and efficiently set up our trucking insurance policies and is thorough in this process! We will use Karen for any future policies we may need!

Muy agradecido por la excelente gestión de Lynn Hurtado para obtener un Insurance con todos los requisitos para mi negocio.Su eficacia y profesionalismo me han permitido comenzar exitosamente. Muchas gracias, Lynn.

Great service Bart is very helpful

worst experience with Western Truck Insurance they’re supposed to renew my policy in time. I did remind them two months before the renewal. The barton told me we are working on my cote and I spoke to the manager. He told me same thing two days before my insurance renewal they told me we need lose Run records which is not a possible two days before I end up paying 9000 extra for my policy because they never work on time every time I call them they not answer phone calls and not reply for the email shame on you guys if you can’t help someone simple say no the way they are treated there customer I am sure they have fake reviews All truckers think twice before getting their services

I'm using Western Truck Insurance for the last 3 years, customer service. Good Insurance, Good rates. Thank you guys. if you need quote call Bart Proud

Lynn Hustado has helped me every step of the way. I would recommend Western Truck Insurance for an incredible experience!

Bart Proud, insurance agent for Western Trucking Insurance was very helpful in writing up my insurance. Made it possible for me to receive good insurance with more coverage than my previous insurance company with better pricing. I was able to save money that would go back into my business so my business could prosper. Mr. Proud show very much interest in helping me with my needs with patience and understanding, amazing person to work with and have shown much passion in getting the job done I would recommend him to other people that would need his service, most of all I like to say thank you very much for all of your hard work to make things possible for me, THANK YOU, Robert Jordan.

Quick response time! They were able to secure my commercial auto with no hassles after 6 months of no agents or companies that could secure it for me. Cindy was great to work with and so easy!

Good experience with them.

Karen Eernisse Grade A PROFESSIONAL agent.Western truck has an ASSET in Karen

Hey, so I started my own company and bought my first truck. I got insurance for it, but then I found out that they wouldn't let me add a second driver or a second truck in the first year. That didn't work for me, so I started calling around to find someone who would. I got a bunch of no's—apparently, it's a California thing. But then, I got lucky and found Karen from Western Truck. She's super smart and helpful, and she's also really positive and funny. Long story short, she solved my problem—something that a dozen other companies couldn't do—and she gave me a great rate too. I'm so happy with the outcome! Karen totally saved the day!

Physical Damage Truck Insurance