Primary liability pays for their truck. This is the one that pays for yours.
Auto physical damage covers your own tractor and trailer — collision, fire, theft and vandalism. Liability covers the damage you do to everyone else and nothing at all for your equipment.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What auto physical damage businesses actually need.
Collision
Damage to your truck from an impact, whoever was at fault.
Without it — A rollover you caused is entirely yours, and the finance company still expects the payment.
Comprehensive
Fire, theft, vandalism, weather and animal strikes — the losses that happen while nobody is driving.
Without it — A truck stolen from a yard overnight is a total loss with nothing behind it.
Gap and loan payoff
The difference between what the truck is worth and what you still owe on it.
Without it — A total loss on a newer tractor can settle for thousands less than the balance, and the shortfall is yours.
Where auto physical damage shows up.
- Trucking
Primary liability pays for the damage you do to everyone else and nothing for your own truck. A rollover you caused leaves you still owing the finance company.
- Tow Truck & Recovery
A wrecker is expensive, specialised and slow to replace, and liability pays nothing toward your own truck.
- Tanker & Hazmat
Tank trailers are expensive and a rollover usually totals one.
- Refrigerated Freight
A reefer trailer with a working unit is one of the most expensive trailers on the road.
- Livestock Hauling
Livestock trailers are specialised and a rollover is a total loss on both the trailer and the load.
- Auto Transport
The rig itself is specialised, expensive and slow to replace.
- Hot Shot Trucking
The truck and the gooseneck are financed and liability pays nothing toward either.
- Box Truck & Straight Truck
Box trucks are financed and liability contributes nothing toward your own vehicle.
- Dump Truck & Aggregate Hauling
Dump bodies, hoists and trailers are expensive and are damaged on site rather than on the road.
- Local & Short-Haul Trucking
Low-speed damage is constant in tight yards, docks and city streets.
- Regional & Intermediate Radius
Equipment is working harder and further from the yard than it was.
- Long Haul Trucking
Equipment running continuously across the country wears and is damaged far from your own shop.
- Public Auto & Passenger Transport
Coaches, stretch vehicles and wheelchair-converted vans are expensive and slow to replace.
- Bus, Limo & Charter
Coaches and stretch vehicles are expensive and slow to replace.
- Non-Emergency Medical Transport
A wheelchair conversion costs far more than the van it is built on.
- Taxi & Rideshare Fleets
A fleet vehicle off the road earns nothing and still carries its finance.
What auto physical damage operators ask us.
Is APD required?
Not by FMCSA. Federal rules require liability, not physical damage — but almost every lender and lessor requires it as a condition of financing, so if the truck is not paid off, it is effectively mandatory anyway. Owner-operators running a paid-off truck are the ones with a real choice, and it comes down to whether you could replace the tractor out of cash.
How is the limit set?
On the stated value of each unit, which you declare and which drives the premium. Understating it to save money is a false economy that surfaces at exactly the wrong moment: the settlement is capped at the value you stated, not what the truck was worth. Keep the schedule current as you buy and sell equipment.
Does it cover the trailer as well as the tractor?
It covers the units on the schedule, so yes if the trailer is listed. A trailer you do not own is a different question — that is trailer interchange or non-owned trailer physical damage, because your own cover follows equipment you own.