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Covering Physical Damage Exposures

ATM’s Physical Damage programs are designed for commercial auto risks domiciled in the 12 western states. Our exclusive program encompasses a wide selection of vehicles, ranging from light trucks to extra heavy tractor trailers. This program is also available on a stand-alone basis or written with a package policy.

Inside Physical Damage Coverage

Physical Damage is a general term for a group of insurance coverages that protect your insured’s vehicle. There are two options for physical damage coverage:

Comprehensive: Covers loss to a covered auto from any cause other than a vehicle’s collision with another object, such as fire and theft.
Collision Coverage: Covers loss to a covered auto caused by the vehicle’s collision with another object or the vehicle’s overturn.

Eligible Auto Types

Light Trucks to Extra Heavy
Tractors – Over 45,000 GVW

Eligible Risks

Risks domiciled in 12 western states
Stand-Alone coverage available

Coverage Information

Maximum stated amount – $150,000
Maximum age of unit – 20 years
Higher deductibles available
Non Owned trailer Physical Damage – up to $100,000

At ATM, we are always thinking outside the box to create new and improved methods to serve our agents’ best interests. We have built the company by putting you – the agent – first to build your book of business today. We look forward to enhancing our existing relationships and establishing new ones by offering unique solutions to meet the growing demands of today’s evolving industry. Give us a call at (877) 671-7503 and maintain renewal retention in the future.