Physical Damage Insurance

Higher Limits, Lower Deductibles

Saberlines Insurance provides Physical Damage for trucks and trailers, which cover theft, collision and vandalism, we insure all types of commercial vehicles, physical damage insurance available for trucking companies of all sizes, from owner operator with single tractor trailer to fleet carriers, over the phone instant quotes from many carriers for 1-5 trucks, same day coverage available

Truck Physical Damage Options


Collision insurance coverage pays for repairs to commercial fleet vehicles if it is damaged in a collision, overturn, or roll.


Comprehensive coverage will pay for the repair or replacement of vehicle if it suffers damages resulting from certain incidents that do not involve traffic collisions, such as fire, theft, or vandalism.

Fire and Theft with Combines Additional Coverage (CAC)

This coverage is named perils, so specific causes are named rather than have broad coverage, its for lower premium, as it doesn’t cover all causes of loss to a vehicle.

Physical Damage to Protect Assets

Physical Damage is intended to cover damages to truck or trailer, it helps cover the cost of repair or replacement of damaged tractor-trailer, it pays for losses due to theft, collision or other causes.

Trailer interchange, unidentified trailer or non-owned trailer coverage are also form of physical damage insurance, in case of trailer interchange coverage; truck owner needs a written contract with the trailer’s owner, but in case of non-owned trailer coverage then there is no need for a contract, coverage available for owner operator trucker or small fleet truck carriers, trailer interchange has to be combined with primary truck liability or motor truck cargo, for example intermodal carriers need trailer interchange due to UIIA requirements, in addition to Truck Liability & General Liability, other available Physical Damage optional coverage includes:

  • Cost of tow and storage.
  • Protection of Salvage.
  • Roadside assistance.
  • Non-trucking Liability.
  • Gap Coverage.
  • Mechanical Breakdown.
  • Tarps, Chains and Binders.
  • Rental Reimbursement.
  • Personal Effect.