Physical Damage
Your tractor and trailer — collision, fire, theft, weather.
Why Cargova
Same coverage. Different outcome.
We work the file by hand
An agent picks which markets see your submission. On a hard file that's most of the outcome.
We tell you when to walk
If this isn't the coverage you need, you'll hear that before you hear a price.
We stay after the bind
Filings, certificates, renewals — the same agent, not a queue.
In short
What physical damage is.
Covers your own equipment rather than someone else's. If the unit is financed, your lender almost certainly requires it.
Limits, deductibles and exclusions depend on your operation and the carrier writing it.
Scope
Generally in, generally out.
A rough map. Your policy wording governs — ask your agent about anything here.
Typically addressed
- Collision damage to your tractor or trailer
- Fire, theft and vandalism
- Weather events such as hail and flood in many forms
- Towing and recovery in many forms
Typically not
- Mechanical breakdown and wear
- Freight in the trailer
- Depreciation beyond the stated value
Free · No obligation
Quote my physical damage
Four fields. A licensed agent reviews it and calls you back — no auto-quote, no bot pricing.
Physical Damage questions
Stated value or actual cash value?
Stated value fixes the figure up front; actual cash value depreciates it at claim time. The difference shows up when you total a unit — your agent walks through both.
Can I raise my deductible to lower the premium?
Usually yes, within the carrier's range and any lender requirement. Whether it is worth it depends on your cash position.
Also placed