Having your truck damaged in an accident, fire, or as the result of theft or vandalism can be heartbreaking. That truck is your means to make a living. If it can’t run, you can’t work. Who’s going to pay for this?!In the case that the damage is repairable, you may find yourself saddled with a huge financial burden?truck insurance or not. Repair to trucks can cost thousands of dollars and can cripple a small business or independent hauler. That is, if the damage is repairable. What if, God forbid, you truck is totaled? I Have Liability Coverage. Isn’t That Enough?By federal law, all commercial vehicles are required to carry a liability truck insurance policy to cover the cost of any damages they may inflict on another vehicle or person. So if you damage someone’s vehicle cause them bodily harm in an accide employment law advice for employers nt, the other person(s) will have their expenses covered and property replaced. Don’t you want that same coverage for you and you own property?Thankfully, there is a type of commercial truck insurance designed to cover your personal property damage costs called physical damage insurance.Physical Damage InsurancePhysical damage insurance will cover the cost of damage to your truck up to an amount specified in your policy. This coverage will take care of the costs associated with on the job accidents, regardless of fault. This way, you know that whether or not you are the cause of a collision, you know that you are covered. In addition, you are also covered when the truck is not running. For example, you may stop at a truck stop to grab a bite to eat only to come back and find that your rig has been stolen.