Auto Physical Damage Coverage
Protect the vehicles that power your business
Coverage that keeps you on the road
Your trucks are the backbone of your business. When unexpected events like accidents, theft, vandalism, or severe weather strike, the financial strain of repairs or replacements can disrupt your operations and slow down your business.
Protecting this critical investment isn’t just a smart decision, it’s a necessity for keeping your business on the road and moving forward.
24/7 protection when you need it
Auto Physical Damage coverage provides essential protection for your truck or equipment, covering the cost of repairs or replacement when your vehicles are damaged.
Physical Damage includes both collision coverage for accidents and comprehensive coverage for non-collision incidents, giving you the protection you need while minimizing costly downtime.
Nirvana’s Auto Physical Damage coverage
Personalized coverage
We offer customizable policies with flexible deductibles and coverage add-ons, allowing you to select the precise level of coverage that meets your business needs.
Intelligent pricing
Our pricing adjusts to each fleet’s unique operation: delivering fair, personalized coverage aligned to the fleet’s actual risk.
Streamlined Servicing
One point of contact for billing, claims, policy updates, and customer support when you need it.
We’ve got you covered
Additional coverages to keep your fleet rolling
Diminishing Deductible
Reduces your deductible amount over time as a reward for safe driving.
Electronic Equipment
Protects specialized electronic equipment installed in your trucks, such as GPS systems, communication devices, or other tools critical to your operations, from damage or theft.
Miscellaneous Equipment
Provides coverage for additional equipment or accessories attached to your vehicle, such as tarps, chains, loading ramps, or custom racks.
Rental Reimbursement
Covers the cost of renting a replacement vehicle while your truck is being repaired due to a covered loss.
Towing and Storage
Helps cover the cost of transporting your vehicle to a repair shop or storage facility after a breakdown or accident.
Optional coverage add-ons
Enhance your coverage with these endorsement options
Combined Deductible
Non-Owned Trailers
Trailer Interchange
Get all your trucking coverage under one roof
Unlock added benefits by having all your trucking coverages with Nirvana.
- Faster claims resolution powered by in-house experts, AI, and telematics
- Lower out-of-pocket costs for fleets with combined APD & MTC deductibles
- Simplified policy management through unified billing, endorsements, and customer support
- Faster servicing with one point of contact
One carrier. One quote.
One seamless experience for both agent and fleet.
