What Is It?

 

Physical damage insurance covers you in case your truck is damaged. Buying or leasing a truck is a huge investment and you don’t want to pay out of pocket to replace it. 

 

This type of insurance consists of two different parts. Collision coverage pays for damage to your vehicle when it collides with another vehicle or object. Comprehensive coverage pays for other damages to your truck when stationary, including vandalism, fire, and theft.

 

 

Do I Need It?

 

You will need this type of insurance if you have a loan on your truck. Even if you own your vehicle, you should have this type of coverage to fully protect it.