Owner-Operator Physical Damage

COVERAGE DETAILS

Owner Operator Physical Damage coverage is afforded to a tractor and or trailer owned by an individual and leased onto a motor carrier and operating under that motor carrier's authority.

PROGRAM FEATURES:

Towing

Towing due to an accident can be a huge sum based on the location of the accident and the time of day.  Our Owner Operator Physical Damage program offers no limit on towing that is the result of an accident.  

DOWNTIME

Coverage for when an insured's unit is out of use.  There is a waiting period of 10 days.  The coverage payment of $125.00 per day with a $3750.00 maximum per unit covered.

SINGLE DEDUCTIBLE

Single deductibles apply with the Owner-Operator has a truck and trailer on the program and both are totaled.  This coverage is included in rates of tractor over $30,000 in values

LOAN GAP COVERAGE

Coverage to make up the difference from a newly purchased tractor or trailer is key to help minimize out of pocket loss due to an accident.  Loan or Gap coverage is included in the package in units valued at $30,000 and more.

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PERSONAL EFFECTS

Pays the lesser of actual cash value, repair cost, or replacement cost up to a limit of $5,000.00 for any one loss.  Loss is a result of forcible entry into the insured unit while doors and windows are locked.  Exclusions apply

TARPS, CHAINS, BINDERS

Pays for loss of tarps, chains and binders up to a limit of $2,500 with a $500.00 deductible per loss if the loss occurs with the insured trailer