Physical Damage Insurance

At SCI, we’ve been providing physical damage insurance solutions to truckers and businesses across America for over 30 years. We deliver quality, reliability, and affordability in every policy we offer — ensuring your commercial vehicles are fully protected from unexpected losses. Our expert team guides you every step of the way, from getting insured to renewals and claims. Count on us for all your trucking insurance needs.

Get Physical Damage Coverage for Your Truck’s Hefty Repair Bills!

Complete protection with less money spent

Whether you’re an independent owner-operator or run a full-scale trucking business, your vehicles face daily risks — from collisions and rollovers to vandalism and natural disasters. That’s why physical damage insurance is essential. It keeps your trucks financially protected against costly repairs and replacements caused by accidents or unforeseen events.

What is physical damage insurance?

Physical damage insurance covers repair or replacement costs for your owned truck or trailer damaged by:

Your coverage amount depends on the value of your equipment, and if your truck is financed or leased, your lienholder may require this insurance.

This coverage comes in the following three parts:

Collision: This coverage protects you against the event of a rollover or a collision. This policy is comparatively more expensive than comprehensive coverage because accidents are riskier as well as costlier than damages.
Comprehensive: This policy offers coverage for the majority of physical damages to the truck in incidents like vandalism, fire, theft, and animal contact. Additionally, when your truck goes beyond repair it compensates for its replacement as well.
Fire and theft with CAC (combined additional coverage): This coverage is specially designed for heavy-duty trucks that give complete protection against many potential risks on and off the road.

What does physical damage insurance cover?

This truck insurance protects against the loss caused by the following:

If you pair your physical damage coverage with the following add-ons then you can get blanket protection for your trucks.

Rental reimbursement: This pays for the rented truck you use when your own vehicle is undergoing a repairing process.
Roadside assistance: You get towing services along with a professional technician to rescue your truck when it breaks down in the middle of the road.
Downtime: It pays for the period when you fail to resume your trucking operations due to heavy damage or theft of your vehicle.
Full glass protection: It is an add-on coverage that protects against the damages to products made of glass in your vehicle like the windshield, rear-view mirror, side mirror, etc.

What does physical damage insurance NOT cover?

While physical damage insurance provides wide coverage, it doesn’t protect you from everything. The following are not included:

Medical expenses: This policy does not provide coverage when your truck physically injures a third party or even your own transporter.
Lawsuit fees: Severe accidents are life-threatening and can cause heavy property damage to other people. In such cases, it can lead to hefty legal expenses which are not covered by this policy.
Stolen property: If your truck gets stolen by any chance then this loss is not included in this insurance coverage.
Damages to another vehicle: When a third-party vehicle gets badly damaged after colliding with your truck then you have to take care of its repair cost out of your wallet as this policy won’t cover it for you.
Wear and tear of equipment: Deterioration or rusted parts/equipment of your trucks are not covered in this policy.
Cargo loss: Damage or loss of the shipment or cargo after any accident is excluded from this coverage.