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    Classic Truck Insurance

    Call us today at 888-498-0255​

    The One Stop Shop for Transportation Services

    Home>>Available Truck Coverages>>Bobtail and Physical Damage for Truckers>>Physical Damage Location Coverage

    Physical Damage Location Coverage

    Classic Truck Insurance offers two forms to help you insure specific or single location physical damage exposures.

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    You purchased physical damage coverage on your fleet:

    The cap on deductible-physical damage location coverage endorsement is available if you need to apply a maximum or aggregate for all deductibles as a result of a single-covered physical damage loss.  An example would be 20 tractors and 50 trailers parked and suffering hail damage at $5,000 per unit.  You purchased physical damage deductible of $1,000 each, so your out of pocket would be $70,000.  For a premium based on the maximum exposure for values, you can limit the deductible to $20,000, thereby caping your loss at a more manageable amount.  We impose a cap or maximum on the amount of values at one location, and we insure with a per loss deductible.

    

    

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    You self-insured physical damage coverage for your fleet:

    The physical damage-location coverage endorsement is available to you if you self-insure and do not buy physical damage coverage.  It provides you with the physical dmage coverage you think you need at a specific location and for a premium much less than the cost of insuring the entire fleet full time.  An example is a location where you have 20 tractors and 50 trailers maxium for at least 2 days and 3 nights a week.  The rest of the week the values fall off.  A major loss to this fleet would be devastating financially.  You are able to handle a loss in the amount of a single unit, tractor and trailer of $75,000.  The values total $2,000,000 at your main locaiton.  We can offer you this product with a 5% or $100,000 per loss deductible.  

    

    When we quote this for you, you'll need to evaluate the chance and type of loss you would most likely suffer.  

    Some Examples are:
    • Windstorm, hail, or earthquake
    • Flood
    • Fire, lightening, or explosion
    • Theft
    • Mischief or vandalism

    Collision is not included in the list as it is usually a two-vehicle loss.  Coverage options are as follows:  

    

    Comprehensive, which is loss from any cause except collision; or specific causes of loss. 

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    2005 Ailor Avenue

    Knoxville, TN 37921

    sales@classictruckinsurance.com

    Tel: 888-498-0255

    Fax:865-522-7772

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    Disclaimer:  Our General insurance Glossary is for general information only. We  do not warrant the information found here as usual and customary for assessment of insurance claims or pay outs. Insurance terminology could vary widely per State or Insurance company acceptability. Contract language can vary widely dependent upon  many factors. The information contained here is meant to be general in scope. We recommend contacting your insurance agent or the insurance bureau in your state for exactly what is appropriate in your state .

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