Insurance Savings and News You Can Use
Join the Conversation!

5 Common Causes of Truck Accidents

Posted by David Ross on Sat, Jun 04, 2022

Save on PA Truck Insurance by Avoiding Common Causes of Truck Accidents. We provide insurance in Philadelphia, Pittsburgh, Erie, Allentown, Reading, Lancaster, and throughout Pennsylvania.If you want to reduce Commercial Truck Insurance costs, lower the number of accidents. It’s simple but not always easy. According to the National Safety Council (NSC), in 2019, 118,000 large trucks were involved in accidents that caused injuries. And often, due to their size and weight, accidents involving trucks are more serious. For example, in 2019, 5,005 trucks were involved in fatal accidents.

The good news is that many of these accidents are preventable. The first step to preventing accidents is identifying the most common causes of truck accidents.

According to the National Highway Traffic Safety Administration, driver error is the cause of 94% of vehicle accidents. Other causes include failure or degradation of the vehicle’s components and the environment (slick roads, weather, etc.).

5 Common Causes of Accidents

Distracted Driver

The CDC reports, “Nine people in the United States are killed every day in crashes that are reported to involve a distracted driver.” A distraction takes attention away from driving and takes your eyes off the road, takes your hand off the wheel, or takes your mind off driving. Unfortunately, drivers can be distracted by many things – changing the radio station, arguing with a passenger, or even reading billboards.

You can’t eliminate all distractions, but you can eliminate the most common cause of driver distraction – electronic devices, specifically cell phones. According to the CDC, “At 55 miles per hour, sending or reading a text is like driving the length of a football field with your eyes closed.”

As an owner or fleet manager, having and enforcing a distracted driving policy is crucial to minimizing the risk of distractions. If you are a driver, turn on the “Do Not Disturb” feature on and pull over to a safe place to use your cell phone.

Speeding

We get it… You have tight schedules to keep and face many things (traffic, road construction, etc.) that can mess with those schedules, but driver safety should always come before deadlines. The NSC reports, “Speeding was a factor in 29% of all traffic fatalities in 2020, killing 11,258, or an average of over 30 people per day.” With the additional weight and size of a truck, speeding becomes even more dangerous because it takes trucks longer to stop, and when they do hit something can cause more damage.

Poor Driver Training

As we mentioned earlier, driver error is the cause of 94% of vehicle accidents, but you can minimize that risk by providing ongoing safety training to your drivers. The National Safety Council (NSC) reports that implementing a driver safety program will help keep drivers safer and potentially:

  • Decrease the risk of motor vehicle collisions and traffic violations
  • Minimize exposure to liability risks and legal costs
  • Reduce insurance premiums and workers’ compensation claims
  • Lower vehicle repair bills and replacement expenses
  • Protect business operations and brand identity

Fatigue

You may be on the road for a while, not get enough sleep at night, or any number of other reasons that can cause fatigue. NHTSA estimates that in 2017, 91,000 police-reported crashes involved drowsy drivers. These crashes led to an estimated 50,000 people injured and nearly 800 deaths. Whenever possible, avoid this hazard by getting adequate sleep, checking any medication you take to see if any cause drowsiness, and avoiding driving during peak sleepiness periods (midnight to 6 am and late afternoon).

Weather

Weather is unpredictable and can change on a dime. Therefore, drivers must monitor the weather and prepare for potential hazards. If you find yourself on slick roads, slow down, keep more distance between you and the vehicle in front of you, keep your turn signals on longer, and turn on your headlights. Here are additional tips for dealing with dangerous weather.

How to Save on Commercial Truck Insurance Costs

Safer drivers mean fewer claims, which translates to lower Truck Insurance costs. Working with one of the independent agents at American Insuring Group also translates to lower Truck Insurance costs. As independent agents, we compare pricing and coverage with multiple insurance companies so you pay the lowest premiums for quality truck insurance protection.

✅  Start saving today by calling us at (800) 947-1270 or (610) 775-3848, or connect with us online.

Tags: Commercial Vehicle Insurance, truck insurance, Trucking Insurance, Safe Driving Tips, Physical Damage Truck Insurance

Refrigerated Truck Insurance

Posted by David Ross on Sat, Apr 02, 2022

Refrigerated Truck Insurance tips for truckers in Philadelphia, Pittsburgh, Allentown, Lancaster, York and everywhere in PACommercial Truck Insurance is designed to help drivers, fleet owners, and managers manage risk. Whether that risk is an injured employee, a totaled vehicle, or damaged cargo, insurance can help ease the financial burden. Damaged (spoiled) cargo is a particular concern for companies that operate refrigerated (or reefer) trucks, which is where Refrigerated Truck Insurance comes into play.

The refrigerated transport market was estimated at $14.8 billion in 2019 and is expected to grow to $23.1 billion by 2027. One report stated, “The refrigerated transport market is gaining momentum, owing to the escalation in globalization that has led to the growth of trade and a surge in demand for frozen and packaged food across the globe.”

Today, refrigerated trucks transport fresh and frozen food, medicines, flowers, fine art, cosmetics, and more and have become essential to the transportation industry.

But before we talk about refrigerated truck insurance and how it can protect your business, let’s take a look at the fascinating history of refrigeration and refrigerated trucks.

History of Refrigerated Trucks

Back in the 1800s, people in the meat-packing industry were trying to figure a way to transport meat across long distances via the railroad without the cargo spoiling. Entrepreneurs experimented by fitting boxcars with bins filled with ice and removing doors to allow winter temperatures to keep cargos cold, but few experiments proved successful.

In 1867, William Davis developed the first patented refrigerator railcar for meat-packer George H. Hammond. The meat was suspended from metal hooks on the roof with ice and salt below it. However, the height of the meat caused many boxcars to derail. That same year, J.B. Sutherland developed a refrigerator car with ice tanks at each end of the car, along with ventilator flaps to create a downdraft of cold air. However, the ice needed to be replaced once a day, and the meat became discolored as it came in contact with the ice.

A few years later, Joel Tiffany – a Swift and Company (meat processing plant) engineer – and Andrew Chase developed refrigerator railcars. Both of these cars stored ice on the roof and dropped cold air down while warm air was ventilated out through the floor. The meat was held on the bottom of the boxcar to avoid derailments. This was the best option to date and helped meat-packing companies boom. However, the issue of melting ice that could quickly spoil the meat continued to be a problem.

It wasn’t until the late 1930s that Frederick McKinley Jones built the first automatic, ice-free air-cooling unit for trucks. It was shock-proof and could withstand the jolting and vibrations caused by long-distance trucking. At first, the air conditioner was placed under the truck, which quickly became clogged with mud. Simply moving the unit to the front of the truck above the cab solved that problem, and Jones patented his truck air conditioner in 1940.

Refrigerated Truck Insurance

Jones’s invention changed the food industry and, for the first time, allowed for the transportation of perishable items, such as meat, over long distances. Food production facilities could be located anywhere, and fresh and frozen foods became available to more people.

However, mechanical breakdowns still occur, and trucks can be involved in accidents. If refrigerated cargo isn’t consistently kept at a specific temperature, it can spoil. Refrigeration Truck Insurance typically includes liability and physical damage along with reefer breakdown insurance (Aka refrigeration unit breakdown coverage) to cover spoiled cargo due to refrigeration unit breakdowns. If you operate one or more temperature-controlled trailers that transport perishable goods, you need the unique coverage refrigeration truck insurance provides.

Here's How to Save on Truck Insurance

The best way to save on commercial truck insurance is to work with one of the independent agents at American Insuring Group. Not only do we specialize in trucking insurance so we can assure you have the right coverage, but as independent agents, we compare the cost of that coverage among competing insurance companies to ensure you pay the lowest rate.

So give us a call today at (800) 947-1270 or (610) 775-3848, or connect with us online.

Tags: Commercial Vehicle Insurance, truck insurance, Trucking Insurance, Physical Damage Truck Insurance, Cargo Trucking Insurance, Refrigerated Truck Insurance

Commercial Truck Maintenance Schedules Lower Truck Insurance Costs

Posted by David Ross on Sat, Nov 27, 2021

Commercial Truck Maintenance Schedules Lower Truck Insurance Costs in Philadelphia, Reading, Lancaster, York, Harrisburg, Allentown, Pittsburgh, Erie, and throughout PAWe're all about saving you money on your Commercial Truck Insurance, but there's one step you can take that goes beyond just lowering your insurance costs - a commercial truck maintenance schedule. We understand that most truck drivers and fleet owners face challenging delivery schedules and don't have a lot of time on their hands.

But time spent on regular truck maintenance can help save time in the long run, reduce frustration, lower costs, and increase safety. Here's how!

Fewer Breakdowns

Even minor issues can cause truck breakdowns if ignored, and small issues can quickly become more significant - causing more downtime and higher repair costs - if not addressed immediately. Taking time to make a repair when it is discovered helps keep your truck moving. A breakdown on the road can be dangerous to the driver and can cause late shipments.

Higher Customer Satisfaction

An unexpected breakdown can cause late, inconsistent, or unpredictable delivery times that may force businesses to look at another trucking company that delivers consistently and on time. Regular truck maintenance results in fewer breakdowns and more reliable deliveries.

Safer Trucks/Fewer Accidents

The weight, height, and size of trucks make them more dangerous than smaller vehicles. Trucks need more time to stop, have larger blind spots, are more likely to roll over, and can cause more damage than a smaller vehicle. According to the National Safety Council (NSC), in 2019, 5,005 large trucks were involved fatal crashes, and 118,000 were involved in accidents that resulted in an injury. Furthermore, the NSC reports that while large trucks accounted for only 4% of all registered vehicles and 7% of total vehicle miles traveled, they accounted for 10% of all vehicles involved in fatal crashes in 2019.

Regular maintenance helps make trucks safer. For example, braking deficiencies will sometimes allow a truck to stop during routine driving situations but may fail in an emergency when hard braking is required. Safer trucks lower the risk of accidents and make our roads safer for all drivers

Lower Operating Costs

Maintenance schedules help improve your bottom line in several ways.

  • More minor repairs – which can be caught during a maintenance check – are typically less expensive than major repairs.
  • Well-maintained trucks can lower fuel costs.
  • Fewer accidents mean lower insurance costs.
  • Late shipments caused by unexpected breakdowns can lead to the loss of customers.

Compliance With Regulations

The Federal Motor Carrier Safety Administration (FMCSA) states, "the motor carrier must either inspect, repair, maintain, and keep suitable records for all vehicles subject to its control for 30 consecutive days or more, or cause another party to perform such activities. The motor carrier is solely responsible for ensuring that the vehicles under its control are in safe operating condition and that defects have been corrected."

Having a Commercial Truck Maintenance Schedule helps ensure that you are following FMCSA regulations.

How to Create a Commercial Truck Maintenance Schedule

Metalphoto of Cincinnati offers tips to establishing an effective preventative maintenance program that includes the following:

  1. What you need to implement a fleet preventative maintenance plan
  2. How to establish a baseline
  3. How to determine maintenance intervals
  4. Advice on fleet maintenance software
  5. A preventative maintenance service checklist
  6. How to develop a driver inspection and reporting system
  7. How to track metrics and monitor for success 

How to Save Even More on Commercial Truck Insurance

Don't stop with a maintenance schedule if you want to save even more on commercial truck insurance. Work with an insurance agent who understands your unique risks and challenges. American Insuring Group has been helping truck and fleet owners with their Commercial Truck Insurance needs for years. And, as independent agents, we check with multiple insurance companies to get you the lowest price.

Give us a call at (800) 947-1270 or (610) 775-3848, or connect with us online.

Tags: Commercial Vehicle Insurance, truck insurance, Trucking Insurance, Physical Damage Truck Insurance

Can Fleet Insurance Lower the Cost of Truckers Insurance?

Posted by David Ross on Sat, May 22, 2021

Affordable Fleet Truck Insurance for Trucking Companies in Philadelphia, Pittsburgh, Erie, Allentown, Reading, Lancaster, Harrisburg and throughout PAIf your business owns or uses trucks, you need to have the right Truck Insurance to protect your vehicles, employees, and business. 

Trucks can weigh 20 to 30 times as much as passenger cars, and they are also taller with greater ground clearance. Trucks also take longer to stop. A loaded tractor-trailer takes 20-40 percent farther to stop than a personal vehicle. 

Therefore, the risk for trucks is significantly higher than it is for personal vehicles. Higher risks mean higher consequences. In 2019, 4,119 people died in large truck crashes, and 97% of vehicle occupants killed in a two-vehicle crash involved a large truck. The average cost of a significant truck accident involving a fatality is $13.6 million, and the average cost of all large truck accidents is $91,000. 

The right truckers' insurance helps ensure that one major accident doesn't put you out of business. 

If you use a truck (or any vehicle) for business, you need to have Commercial Auto Insurance (a non-fleet insurance); however, you may qualify for fleet insurance if you own five or more trucks. Fleet insurance can help you save money and manage your fleet more efficiently. 

Here's what you need to know about Fleet Insurance. 

Fleet Insurance vs. Non-Fleet Insurance

Your vehicle(s) can be classified as non-fleet, which means each vehicle is insured under an individual insurance policy. If you can classify your vehicles as fleet vehicles, all of them are insured under one policy. 

Non-Fleet Insurance

In almost every state, it is illegal to operate a vehicle without valid insurance. If a vehicle is used for commercial purposes – such as transporting goods - a Commercial Auto Policy is required. Many business uses or vehicle types can be excluded from personal auto Insurance policies. 

A non-fleet vehicle can be owned by a company or an individual. With a "non-fleet" Commercial Auto Policy, the underwriting is based primarily on the driver – his or her driving record, driving experience, documented claims, etc. 

Fleet Insurance

Fleet insurance is a commercial vehicle insurance that covers more than one vehicle and driver. It can be a fleet of cars, trucks, ships, or aircraft covered under one insurance policy. How many vehicles constitute a fleet varies by state and by insurance companies. Typically, the minimum is five vehicles. Often, ten or more units is required to qualify for fleet insurance. 

To qualify for fleet insurance, the vehicles must be owned by a business, not an individual/driver. Because there are more underwriting variables with a fleet, working with an insurance agent with experience in Trucking Insurance is crucial. 

Advantages of Fleet Insurance

Utilizing a fleet insurance policy means having one insurance policy for all of your vehicles instead of multiple policies. Fleet insurance may reduce the overall cost of insurance, save hours of administrative work, and make fleet management more manageable. 

Fleet Insurance often comes with more deposit down payment options, and there is only one renewal date, so you don't have to keep track of multiple insurance policies. Fleet insurance can also make it easier to assign drivers to different vehicles. 

How to Save on Fleet Insurance

Typically, the more trucks you have, the higher the value, which means higher insurance premiums, but the number of trucks is not the only thing that will affect your costs. Other factors include…

  • Type of Trucks
  • Age of Trucks
  • Value of trucks
  • How the trucks will be used
  • The type of policy 

An insurance agent with experience in Truckers Insurance – like the agents at American Insuring Group – can help determine which type of policy is best for your specific needs and share opportunities for cost savings. Plus, as independent agents, we will compare different policies and quotes to ensure you pay the lowest price for that coverage. 

Give us a call at (800) 947-1270 or (610) 775-3848 or connect with us online.

Tags: truck insurance, Trucking Insurance, Physical Damage Truck Insurance, Cargo Trucking Insurance

3 Tips to Minimize the Risk of Cargo Theft

Posted by David Ross on Fri, Mar 26, 2021

Minimize the Risk of Cargo Theft to save on truck insurance in Philadelphia, Allentown, Berks County, Pittsburgh, Harrisburg, Lancaster, York and throughout Pennsylvania.Cargo Theft is a $15 to $35 billion industry that can drive up Truck Insurance premiums and deductibles. According to the National Insurance Crime Bureau (NICB), there were 8,676 cargo vehicle thefts reported in the U.S. in 2017, translating to about 24 thefts every day. 

And it appears the COVID-19 pandemic is only making the problem worse. Freight Waves reported a 26.92% year-over-year increase in reported cargo thefts in September 2020 and a 91.43% year-over-year increase in April 2020.

If you want to minimize the cost of lost loads, the effort of recovery, and increased insurance costs, you need to take steps to ensure the safety of the cargo you’re shipping. Here are some tips: 

Know What is In Demand

Drivers need to know if they’re transporting in-demand commodities so that they can take additional precautions. Thieves will steal what they can resell, and they can be very focused. 

Typical targets include food and beverages (which can be quickly consumed and leave no trace), consumer electronics, and drugs. After severe storms, there is an increase in building supplies being stolen. It’s no surprise that during the pandemic in the third quarter of 2020, there was a significant increase in the theft of commodities such as cleaning supplies and PPE. 

Freight Waves also reports an increase in pilferage theft – stealing small portions of a load. Trailer break-ins and pilferages accounted for 22% of all reported robberies in the third quarter of 2020. 

If a driver knows they are carrying high-value or in-demand products, they need to be even more vigilant. 

Know the High-Risk Places and Times

Thieves tend to go where the pickings are good. According to Port Technology, Los Angeles (traffic of 9.46 million TEU in 2018) and Long Beach (8.09 million TEU) are the two busiest container ports in the U.S., so it’s no surprise that California tops the list of the biggest hot spots for cargo theft. Texas is at the center of cross-border freight, which accounts for its second place on the list. 

The NICB reported the ten states that are the biggest targets for cargo thefts are:

  1. California (1,770)
  2. Texas (1,255)
  3. Florida (921)
  4. Illinois (712)
  5. New Jersey (468)
  6. Georgia (438)
  7. Alabama (214)
  8. North Carolina (204)
  9. Indiana (192)
  10. Missouri (181) 

According to the NICB, most cargo thefts occur on weekdays, with Monday and Friday being the most significant days for these thefts. So, if a driver is driving through California on a Monday or Friday with an in-demand commodity, they should be on high alert. 

Hire and Train Wisely

Drivers are responsible for hundreds or thousands of dollars in commodities, so it’s crucial that you hire the most honest and dependable drivers (and warehouse employees). It starts with innovative recruiting. Attract the best drivers by showing that your company is a great company to work for and let them know what your company is all about with pictures and videos on your website and social media sites. Another way to attract the best drivers is to offer competitive wages. 

It’s also crucial that you screen potential hires (and warehouse workers or anyone with access to shipping information) with thorough background checks following your industry’s screening laws. Background checks could potentially include criminal records, drug and alcohol testing, driving records, and license checks. 

You should also establish best practices and provide security training, including hijack awareness and prevention, so drivers know how to protect themselves, along with your truck and your cargo. 

How to Save on Truck Insurance Costs

Another key to managing risk is Trucking Insurance. American Insuring Group offers all of your Truck Insurance needs – from Cargo Insurance to Transit Coverage and more. Give one of our independent agents a call at (800) 947-1270 or (610) 775-3848 or connect with us online for a free quote. They’ll check with several insurance companies to ensure you pay the lowest price possible for your insurance needs.

Tags: truck insurance, Trucking Insurance, Physical Damage Truck Insurance, Cargo Trucking Insurance

How Good is Your Physical Damage Truck Insurance?

Posted by David Ross on Sun, Aug 26, 2018
Is your insurance for physical damage to your truck adequate or lacking? Trucking insurance tips for Philadelphia, Berks County, Lehigh County, Pittsburgh, Erie, PA and beyond.Buying or leasing a truck is a significant investment, and trucks are the lifeblood of truckers and trucking companies. For many truckers, the loss of their vehicle would mean the loss of their job and their income. For a large trucking company, the loss of a truck may not be as significant, but it would still negatively impact their business. That’s where Physical Damage Truck Insurance comes in.

Imagine: your truck is damaged in a fire. Would you have enough in savings to pay for the repairs needed to get that truck back on the road? What if your truck were totaled in an accident? Would you have enough in savings to replace it? These are things you need to consider, and for most individuals and even businesses, the answer is no, not even close.

So, thank goodness for Physical Damage Insurance, which can help keep you in business even if your truck is damaged.

What is Physical Damage Insurance?

It's pretty much exactly what it sounds like. Physical Damage Insurance helps cover the cost of repairing or replacing a purchased or leased item – in this case, your truck – in the event of a loss. There are two basic types of Physical Damage Insurance: comprehensive and collision.

Commercial Vehicle Collision Insurance

Collision insurance covers damages and loss to a vehicle that is caused by a collision with another vehicle or object, a roll, or an overturn. If your truck is totaled, collision coverage will pay you the estimated current cash value - less your deductible - to replace it. This type of coverage tends to be the more expensive of the two and has a more significant impact on the cost of your insurance if you experience a loss just because it's more likely to happen.

Comprehensive Truck Insurance

Comprehensive insurance will help you pay for the repair or replacement of your commercial vehicle if the damage is caused by something other than a collision, roll, or overturn. It covers damage caused by fire, theft, hail, vandalism, collisions with animals, etc.

Neither type of insurance will cover general wear and tear such as worn brake pads, blown transmissions, or rusted parts.

The cost of Physical Damage Insurance depends on the type of truck, the goods carried, the number of years' experience a driver has, claims history, your deductible and more.

Other Types of Physical Damage Coverage

A lender or lessor may require you to have Physical Damage insurance, but it may not be enough to cover your needs. Here are other types of Physical Damage coverage you may want to consider:

Fire and Theft with Combined Additional Coverage (CAC)
This type of physical damage coverage is a limited form of Comprehensive insurance designed especially for heavy-duty trucks. It's also known as Limited Comprehensive or Specific Perils Insurance. 

Gap Coverage
Gap coverage pays the difference between the amount of money you still owe on the lease or loan for your commercial vehicle and the actual cash value (ACV) of the vehicle. The ACV of your truck is the actual market value of the truck. Unlike personal lines of insurance, commercial insurance does not offer replacement value (the amount it would cost you to actually replace the vehicle).

Here's an example: You purchased a new vehicle for $40,000 and then drove it thousands of miles for a year or two. At this point, your vehicle has an ACV of $30,000. But what if you still owe $35,000 on your loan? Gap insurance will cover that $5,000 gap (minus your deductible).

Endorsements

  • Insurance endorsements – Aka riders - are additions to existing insurance policies that change a policy's coverage to help fill holes in the basic coverage. Some endorsements available with commercial Physical Damage Insurance include the following:
  • Coverage for your personal belongings
  • Coverage for electronic equipment
  • Payment for a rental truck while your vehicle is being repaired
  • A single deductible for both truck and trailer
  • Increased towing limits
  • Roadside assistance

Get a Great Deal on Truck Insurance

Get a great deal on commercial trucking insurance.At American Insuring Group, we carefully analyze your needs and the risks associated with your trucking business. Then, we compare the cost of that coverage among many competing insurance companies to make certain that you receive a great deal. The result: quality insurance coverage for your needs at the best price.

Call American Insuring Group at (610) 775-3848 or (800) 947-1270 to speak with one of our trucking insurance specialists or contact us online.

Tags: Commercial Vehicle Insurance, truck insurance, Trucking Insurance, Physical Damage Truck Insurance

Physical Damage Truck Insurance - Do You Have Enough?

Posted by David Ross on Sun, Jul 16, 2017

As we’re sure you’re aware, buying or leasing a truck is a huge investment. Many truckers, use most or all of their savings to purchase their vehicle.

Tips on Physical Damage Truck Insurance in PennsylvaniaNow, what would happen if your truck was damaged, stolen, or totaled in an accident? Would you have enough money to cover the repairs or replace the truck? What would it mean to your livelihood?

Are you certain your truck insurance is adequate to keep you financially secure if the worst were to happen? 

These are all scary questions, but they’re also real possibilities.

Getting Proper Insurance for Your Truck

The good news is that you can protect yourself from most damages your truck may incur with physical damage truck insurance. If you have a loan on your truck or you lease your truck, physical damage insurance is probably required. But even if you own your truck outright, you’ll want to consider physical damage insurance to protect your investment (and your livelihood).

2 Types of Physical Damage Truck Insurance

There are two different parts to physical damage truck insurance: collision insurance and comprehensive insurance. Collision Insurance pays for damages incurred if your truck collides with another vehicle or object. In the event of a collision, collision insurance will pay to repair or replace your truck. Comprehension Insurance pays for other types of damage your truck may incur, such as vandalism, theft, collision with an animal, glass breaking, fire, and more.

Physical Damage Insurance Considerations

Here are some important things to consider when shopping for physical damage truck insurance:

  1. Stated Amount - You will need to provide the stated amount – your best estimate of the value of your truck – if you are adding comprehensive insurance. The stated amount should be based on the make and model of your truck, mileage, upgrades, and comparable sales data. The stated amount will have a big impact on how much you pay in premiums, so it’s a good idea to work with a good insurance agent to determine the proper value.

  2. Actual Cash Value - The amount you will receive on a physical damage truck insurance claim is based on the Actual Cash Value (ACV) of your truck, which means the market value of your truck. Unlike personal lines of insurance, replacement values are not available for commercial policies.

  3. Deductibles - One way to reduce your premiums is to increase your deductible. You should determine a dollar amount that you would be comfortable paying in the event of a claim.

  4. Endorsements – There are certain things that a basic trucking physical damage policy may not cover, that an endorsement will. Endorsements you may want to consider are a single deductible for your truck and trailer, personal belongings coverage, electronic equipment coverage and a rental truck while your vehicle is getting repaired or replaced.

 

Let's Talk About Your Truck Insurance

Contact us about Physical Damage Truck Insurance protection in PennsylvaniaProtect your truck and your livelihood with physical damage insurance by giving American Insuring Group a call at (800) 947-1270 or (610)775-3848 or contact us online to learn more about both collision and comprehensive insurance for your truck.

We specialize in PA Truck Insurance, so whether you are in Philadelphia, Reading, Allentown, Harrisburg, Pittsburgh, Erie or elsewhere, we'll find you the best deal on insurance. That's because our independent insurance agents are free to shop and compare lots of competing insurance quotes, so you can count on getting great coverage at a great price.  

Contact us today!

Tags: truck insurance, Trucking Insurance, Physical Damage Truck Insurance