Physical Damage Coverage

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Physical Damage

Coverage for losses to a covered auto or its equipment.


Collision Coverage
  • Coverage includes damage resulting from hitting something or something hitting your truck.

Comprehensive Coverage
  • Coverage from any cause except the covered truck‚Äôs collision with another object or its overturn
  • Includes but is not limited to: Fire, Lightning, Explosion, Implosion, Theft, Windstorm, Hail, Earthquake, Flood, Mischief, Vandalism, and the sinking, burning, collision or derailment of any conveyance transporting the covered truck.

GAP Coverage
  • Coverage for any financial obligation to the lessee, where there is a difference from the amount of total loss and the outstanding principal balance of the leased truck in the amount up to $20,000.
    (included in policy premium)

Towing
  • Coverage for towing charges from the place of disablement to the nearest qualified repair shop.

 Extended Coverage

Serving as an endorsement to your APD policy, this coverage provides protection for other expenses that arise when there is an incident.


  • Downtime/Rental
    $150 per day/$750 per week with a limit up $5,000 per each loss.

  • Personal Effects
    Actual Cash Value or Repair/Replacement costs for loss to personal property in the truck up to a limit of $5,000.

  • Electronic Equipment Coverage
    Actual Cash Value or Repair/Replacement costs for loss to personal property in the truck up to a limit of $5,000.

  • Tarp, Chains & Binders
    Loss of tarps, chains and binders used on your trailer up to a $500 limit.

  • Windshield Replacement
    Up to one free Windshield Replacement per 12-month period.