Physical Damage for commercial trucking.
Covers your truck and trailer against collision, theft, and comprehensive perils.
Required if your tractor or trailer is financed. Optional but typical on owned equipment.
When you need this coverage
Lender-mandated whenever equipment is financed. Coverage usually written at stated value.
Physical Damage by state
State-by-state pages cover the local DOI, surplus-lines rules, and carriers actively writing the line. We add new states as we extract their public rate filings — pages are not generated until the editorial body is complete.
Coverage descriptions on this page are general and informational. Binding terms come from the carrier policy and any endorsements. Dispatched is a comparison and matching platform; we are not a licensed insurance producer in every state. Where we accept contact information for a quote, that consent is one-to-one with named producer partners.