Physical Damage covers loss or damage to an insured vehicle caused by collision, fire, theft or vandalism on an actual cash value basis. Our coverage includes glass breakage, chip repair (glass) and downtime coverage with no additional premium to our members.
**Combined Deductible:  if both tractor and trailer are insured under the physical damage coverage and are involved in the same accident, only one deductible will apply (the highest deductible on the policy)