Physical Damage Truck Insurance Coverage

400+

Gave Insurance

350+

Satisfied Clients

90%

Success Rates

19

States Covered

Physical Damage Coverage for Commercial Trucks

Your truck isn’t just a vehicle—it’s your livelihood. At Vatic Insurance, we provide Physical Damage Coverage that protects your investment from accidents, theft, fire, vandalism, and other unexpected events. Whether you own one rig or manage an entire fleet, our policies are tailored to meet the real risks you face on the road and while parked. Fast quotes. Trusted support. Nationwide protection.

Who Needs Physical Damage Insurance?

You need physical damage coverage if you:

Own or lease your truck or trailer
Want protection against repair or replacement costs
Are required by a lienholder to carry collision & comprehensive coverage
Operate as an owner-operator or run a fleet
Haul freight long-distance, regionally, or locally

Why Choose Vatic Insurance for Physical Damage Insurance?

Truck-Focused Coverage

We specialize in protecting trucking professionals—no guesswork, no generic plans.

Fast Claims Support

Get your truck back on the road with fast, responsive claims handling.

Instant Proof of Coverage

Need to show a lienholder or broker you're insured? We provide instant certificates (COIs).

Nationwide Service

From Texas to California, we insure trucks across the U.S.

Trusted by Top Insurance Providers in the Nation

We work with the most respected names in insurance to offer you the best coverage options at competitive rates.

Where We Serve

Vatic Insurance provides Physical Damage Coverage for commercial trucks across the country. Whether you're parked at a lot in Ohio or hauling freight through Arizona, your rig stays protected.

Expanding Nationwide: If your state isn’t listed, contact us—we may already be serving your area or can provide tailored options based on your location.

What Affects Physical Damage Insurance Cost?

Several factors influence your premium, including:

Vehicle value (actual cash value or stated amount)
Age and condition of your truck or trailer
Type of equipment (tractor, box truck, reefer, etc.)
Radius of operation (local vs. long-haul)
Driving record and experience
Deductible amount
Claims history

Related Insurance Services

Running a successful trucking business requires more than just protecting your truck. Vatic Insurance offers a full range of policies to help you stay covered from every angle:

Commercial Truck Insurance

Get a complete package tailored for owner-operators, fleets, and for-hire carriers—including liability, cargo, and physical damage coverage.

Motor Truck Cargo Insurance

Protect the goods you haul from theft, fire, collision, and more. Required by most brokers and shippers.

General Liability Insurance

Covers off-the-road risks like third-party injuries or property damage at your yard, office, or job sites.

Auto Liability Coverage

Meet federal and state legal requirements and protect against bodily injury or property damage you cause while operating your truck.

Owner-Operator Truck Insurance

Custom plans for leased or independent drivers—choose your coverage level based on your operation.

Physical Damage Coverage FAQs

No, but if you finance or lease your truck, your lender will likely require it.

We typically use Actual Cash Value (ACV) or a Stated Amount based on vehicle type and condition.

Absolutely. You can bundle it with liability, cargo, and general liability for a complete protection package.

Collision covers crashes; comprehensive covers other events like theft, fire, or weather damage.

Our Testimonials

What our clients say about
Vatic Insurance

Harman Kaler

Vatic Insurance Group PLLC has been excellent. They provided very competitive quotes, making them a clear choice. The ease with which we can obtain Certificates of Insurance (COIs) significantly streamlines our operations. We've consistently found their team, especially Harpreet who provided exceptional help, to be highly responsive and professional. For reliable service and great support in the commercial insurance space, Vatic Insurance Group is top-notch. Highly recommended!

Cortez Robinson

My agent “SOPHIE”, totally awesome and her boss Alex is a genuine man. These two individuals made sure I was taken well care with my insurance for my company. I highly recommend them to anyone who needs insurance they will go out to their way to fully fulfill your insurance needs. They make it easy and simple and they are super knowledgeable and reliable. Let’s go VATIC INSURANCE GROUP.💯🚛💨💯

Slaton Trucking

We were randomly looking for insurance quotes and stumbled upon Vatic ins, we were dealt by agent 'Aria' She helped us all the way and got us the best ins quote comparative to our previous producer and other ins agencies, and She made sure that we are getting those quotes only from A+ rated companies only, which was our priority and finally we were dealt in a manner which convinced us to buy the ins, everything was as it is Aria told us. I vouch for Vatic and specially Aria she's patient, diligent and very helpful.

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