Physical Damage

Accidents happen. Get your vehicles back on the road faster following a collision, theft, vandalism, or other covered events.

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Your Companion on the Road

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Vehicle Protection

Covers vehicle damage from collisions, theft, fire, and disasters.

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Coverage Exclusions

Does not cover wear, breakdowns, and damage to third-party property.

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Optional Coverage

Often mandatory for leased or financed vehicle, but highly recommended.

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Premium Factors

Rates determined by vehicle value, driving history, vehicle types, and coverage limits.

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Savings Opportunities

Reduce premiums through FleetVantage program, which rewards safe driving.

Repair or Replace - Without the Guesswork

Repair or Replace - Without the Guesswork

Unexpected events on the road—or even while parked—can bring operations to a halt. Physical Damage Insurance provides essential protection for your commercial vehicles against loss caused by accidents, theft, vandalism, weather events, and more. Whether you manage a single truck or an entire fleet, Degree 9 helps ensure that your vehicles are covered—so you can keep your business moving with confidence and minimal disruption.
Is Physical Damage Insurance Required?

Is Physical Damage Insurance Required?

While not mandated by law, Physical Damage Insurance is often required by lenders or leasing companies. Even if it’s not required, protecting your fleet’s value is a wise business decision—especially given the cost of modern commercial vehicles and the potential for costly repairs or total loss.
What does Physical Damage Insurance Cover?

What does Physical Damage Insurance Cover?

Physical Damage Insurance consists of two core components:
  1. Collision Coverage - Pays for damage to your vehicles resulting from collisions with other vehicles or objects,regardless of fault.
  2. Comprehensive Coverage - Protects against non-collision incidents such as theft, vandalism, fire, hail, flooding, and other natural disasters.
This coverage does not include:
  1. Normal wear and tear.
  2. Mechanical or electrical breakdowns.
  3. Damage to third-party property.
  4. Injury to drivers or passengers.
For complete coverage, pair Physical Damage with Primary Liability and Cargo Insurance.
How Are Premiums Calculated?

How Are Premiums Calculated?

Your premium is based on a combination of factors, including:\
  1. Vehicle type, age, and current market value
  2. Fleet size and operational radius
  3. Driving history and claims experience
  4. Selected deductibles and coverage limits
Our experienced agents work with you to structure a policy that balances protection with cost-efficiency.
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Lower Your Costs with FleetVantage

Degree 9 clients enrolled in our FleetVantage program may qualify for lower Physical Damage premiums. By leveraging telematics data and promoting safe driving practices, FleetVantage allows you to reduce risk-and insurance costs-through real-time insights and performance.

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