Physical damage insurance pays to repair or replace your truck after a collision, fire, theft, vandalism, or weather event, regardless of fault. It combines collision and comprehensive coverage, both defined in Alvix’s glossary for trucking insurance, and almost every lender requires it before financing a truck.

Collision coverage pays for hitting another vehicle, a guardrail, or a loading dock. Comprehensive coverage pays for damage with no collision involved, such as fire, theft, or hitting a deer, and in most cases the policy extends to your trailer as well.

Physical Damage Protection Alvix Provides

Alvix Insurance Group builds physical damage coverage around your actual equipment:

Collision coverage that repairs or replaces your truck, and usually your trailer, regardless of fault
Comprehensive coverage for fire, theft, vandalism, hail, or hitting an animal
A deductible subtracted directly from your claim payout, never billed separately
Total loss payouts based on actual cash value, not what you paid new
Coverage that activates on your timeline, not paperwork’s
Claims handled directly by Alvix’s team, not left to an adjuster alone

What Physical Damage Protection Does Not Cover

Injuries or property damage to others, covered by Primary Truck Liability Insurance
The freight you haul, covered by Cargo Freight Insurance Protection
A trailer you pull but do not own, covered by Trailer Interchange Insurance Protection
Non-vehicle liability like a slip-and-fall claim, covered by General Liability Insurance Coverage
Losses beyond your liability limits, covered by Excess Liability Insurance Coverage

Who Needs Physical Damage Protection

This coverage matters most when a truck is not fully paid off or cannot be replaced out of pocket, since a financed or leased truck almost always carries a lender requirement for it.

Owner-operators financing or leasing a truck
Small fleet managers running mixed equipment
First-time authority holders putting a first truck into service

Vehicle and Cargo Types Alvix Covers Under Physical Damage Protection

Physical damage protection covers the vehicle itself, so it applies across every equipment type Alvix insures: