Comprehensive and Collision Coverage for Truck Drivers in Florida and Georgia
As an experienced trucker, you know that protecting your rig is paramount. We spend countless hours on the road, navigating through various terrains and weather…
Total Asset Coverage
Comprehensive & Collision For Truckers
Experienced truckers that want total asset coverage know the importance of getting the right types and correct levels of comprehensive & collision for truckers. Smart truckers in Florida and Georgia know to call the expert agents at BHI Transport Insurance Co. in Panama City, Florida for a small specialized team of caring trucking insurance agents. Get your free policy audit and new quote.
Comprehensive & Collision: the short answer
Comprehensive and collision, often called physical damage coverage, pays to repair or replace your own truck and trailer. Collision covers damage from an accident or overturn. Comprehensive covers almost everything else: fire, theft, vandalism, hail, flood, falling objects and animal strikes. Lenders and lessors usually require both.
What comprehensive & collision insurance covers
Collision
Damage to your truck or trailer from hitting another vehicle or object, or from an overturn.
Comprehensive
Fire, theft, vandalism, windstorm, hail, flood, falling objects and animal strikes.
Stated value
Many truck policies insure an agreed (stated) amount, so set it to what your rig is really worth.
Deductible options
Choose the deductible that balances your premium against what you can cover after a loss.
Who needs comprehensive & collision?
- Owner-operators protecting the truck that is their livelihood
- Truckers with a loan or lease on their tractor or trailer
- Fleets that want to protect their equipment value
- Anyone hauling through Florida’s hurricane and flood season
Every policy is different. Your coverage depends on the exact terms, limits and exclusions in your policy, so BHI’s agents review them with you before you buy. BHI Transport Insurance Co. insures trucking businesses based in Florida and Georgia from its main office in Panama City, FL.
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Questions Truckers Ask
Comprehensive & Collision FAQs
What’s the difference between comprehensive and collision?
Collision pays for damage from crashes and overturns. Comprehensive pays for damage from almost everything else, such as fire, theft, vandalism, storms, flood and hitting an animal.
Is physical damage coverage required?
The law doesn’t require it, but if your truck is financed or leased, the lender or lessor will almost always require comprehensive and collision.
How should I set my truck’s stated value?
Use the truck’s current market value, including upgrades. Insuring for too little means a short payout after a total loss. Insuring for too much means paying for coverage you can’t collect. BHI will help you set it right.
Does it cover hurricane and flood damage?
Comprehensive generally covers windstorm and flood damage to your truck, subject to your deductible and policy terms. That matters for truckers in Florida and coastal Georgia.
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BHI Transport Insurance Co. provide all the Comprehensive & Collision insurance truckers need in FL & GA.
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BHI Transport Insurance Co. bring total asset protection to truckers across Florida and Georgia. The Total Coverage Program is our proprietary system that identifies all of the policies and coverage needed with likely better protection with up to 20% savings.