Vehicle Physical Damage coverage provides coverage to pay for damage to, or loss, of an insured automobile resulting from covered perils.

Along with the standard VPD coverage we are also able to offer as a package or as stand-alone endorsements:

• Comprehensive
• Downtime
• Tarps, Chains & Binders
• Electronic Equipment(Satellite)
• Personal Effects
• Lease/Finance Coverage(GAP)
• Diminishing Deductible
• Single Deductible (both Tractor & Trailer)
• Deductible Buy-Back

Affordable Deductible Buy-back Endorsement:
Lease contracts with motor carriers often require the owner-operator to assume responsibility for policy deductibles on the carrier's trailer and cargo as well as accident-related property damage. This contractual liability can translate to thousands of dollars out of the owner-operator's pocket.

Our affordable deductible buy-back endorsement will reimburse an owner-operator for the amount of the motor carrier's deductible that the owner-operator is required to pay during the settlement of an accident claim. Low monthly fees offset a potential financial crisis for the driver. Payment of policy deductibles is guaranteed for the motor carrier. With TIS, that is a win-win for everyone involved!

Non-Trucking Liability coverage is intended to provide liability insurance to the owner operator who has permanently leased the insured vehicle to a motor carrier and is not using that vehicle for business use at the time of the loss. Coverage takes effect if the truck is being operated outside the scope of the motor carrier's control or direction, and with no economic benefit to the owner-operator or the lease company.

The Non-Trucking policy is a standard ISO Business Auto Coverage form with the Non- Trucking endorsement(s). Along with additional clarifying manuscript endorsements, the TIS Nashville policy form provides the most comprehensive coverage in the business.