Trucking Physical Damage Insurance
Trucking damage insurance is a group of insurance policies designed to protect your truck in the event of physical damage. Typically, this type of policy includes collision insurance, comprehensive insurance, and fire and theft insurance.
• Collision Insurance
Collision insurance covers damage to your truck that happens when it is involved in an accident. The insurance generally covers damages from the impact of the accident as well as if the truck rolled over or if it hits a non-moving object.
• Comprehensive Insurance
Comprehensive insurance covers damages to your vehicle that do not happen as a result of an accident. This could include hail damage, other storm damage, falling objects, or damages to the vehicle that happened when it was stolen.
• Fire and Theft
Fire and theft are very similar to the coverage you receive with comprehensive coverage but are directed for specific events. Fire and theft coverage, however, will not cover windshield damage.
What Trucking Damage Insurance Covers
Damages can occur to your truck from many other sources other than an accident. Road debris, weather conditions, theft, and even vandalism can cause damage to your truck. Having this type of policy ensures that your truck stays operational under any circumstances.
What Trucking Damage Insurance Does Not Cover
Trucking damage insurance generally does not cover the following:
• Damage to personal electronics
• Damage to personal items
• Damage to tarps, chains, or tools that are not permanently attached to the rig
• Damage to the cargo
Additional policies or riders may be available to cover these incidents.
Adding Riders To Your Policy
When you are looking at truck damage insurance, you may also want to consider adding the following riders to the policy:
• Towing
• Roadside assistance
• Storage fee coverage
Speak with your insurance rep from VMC Trucking Insurance to learn about the different types of coverage you can purchase to protect yourself from damages to your truck from events other than an accident.
Who Needs Trucking Damage Insurance?
Anyone that owns a truck is encouraged to have this type of policy. If you are financing your truck, your lender may even require that you have collision and comprehensive coverage as part of the loan terms.
Comprehensive and collision insurance is available with different deductibles and different policy limits. Most policy prices are based on the value of the truck being covered. However, some insurance companies may also include factors such as the age and driving record of the driver, previous claims, and road experience of the driver.
Speak With VMC Trucking Insurance About Trucking Damage Insurance
When you need trucking insurance, you want to work with a company that is dedicated to the trucking industry. VMC Trucking Insurance understands the trucking industry and the needs of owner-operators. They have built their business, helping truckers cover their rigs with complete insurance packages at affordable prices.
Speak with one of the knowledgeable agents at VMC Trucking insurance to find out what they can do to help you get the right coverage for your truck. We know that you will be pleased with the insurance products that we offer and the prices of our policies.
VMC Trucking Insurance is based in Illinois but can write policies in AL, AZ, CA, CO, DE, FL, GA, IA, IN, LA, MD, MN, MT, NC, NV, NJ, OH, OK, OR, PA, SC, TX, VA, VT, WA, and WI. VMC Trucking Insurance has been operating for over five years and is currently working with over 50 carriers. Let them create an insurance program for you to package to fit your needs.