Collision and comprehensive coverage for your tractor, trailer, and reefer unit — because your equipment is your business.
Physical damage coverage is really two coverages sold together. Collision responds to damage from a rollover, jackknife, or crash — with another vehicle or a fixed object. Comprehensive responds to everything else: fire, theft, vandalism, hail, and the flying debris that's common on Arizona highways in monsoon season.
Both apply to your tractor and, when scheduled, your trailer. Reefer units and other specialized equipment can be added as scheduled property with their own valuation.
How your truck is valued at a total loss matters as much as the deductible you pick. Actual Cash Value (ACV) pays the depreciated market value at the time of loss — the default on most policies. Stated Value lets you and the carrier agree on a value up front, which matters for older paid-off equipment that's still road-worthy but has a low ACV.
We'll walk through both options against your loan or lease terms so a total loss doesn't leave you upside down on a truck note.
No — physical damage is optional under federal and Arizona law. It's typically required by your lender if the truck is financed, and most owner-operators carry it voluntarily to protect the equipment itself.
Only if it's scheduled on your policy. If you're pulling a leased or owned trailer, make sure it's listed with the correct value — an unscheduled trailer usually isn't covered.
It depends on cash reserves. A $1,000-$2,500 deductible is common; higher deductibles meaningfully lower premium if you can absorb the risk out of pocket.
Call or text 480.789.1844 for a physical damage quote matched to your equipment and lanes.