Physical damage

Comprehensive and collision insurances provide coverage for damage to the customer’s covered autos. Physical damage coverage offers broad protection for claims from covered accidents resulting from collision, fire, theft, hail, vandalism and flood. Many of our claim adjusters have previous experience working in the transportation industry, so we know how to get our customers back on the road quickly.

  • Deductible options – we offer various deductible options for both comprehensive and collision
  • Combined deductible – we automatically provide a single deductible for accounts with physical damage with or without cargo coverage
  • Tarps, chains and binders are included in the stated limit of the vehicle
  • Aggregate deductible coverage – can be customized for fleets that want to mitigate their exposures on a per location or event basis
  • Lessor additional insured and loss payee endorsements – available as needed
  • Finance value coverage is automatically included in Northland’s comprehensive coverage product, although the customer can opt out. Motor carriers financing or leasing vehicles have loss exposure if their truck depreciates faster than their lease or loan value. In a total loss, the insured can owe more money than they receive for their destroyed vehicle
  • Towing expenses – coverages for towing as a result of a covered loss are automatically included in Northland’s comprehensive coverage product at no extra charge

For Owner Operators, we offer: 

  • Deluxe coverage is a bundle of coverage that may be purchased with Physical Damage coverage and includes Downtime, Diminishing Deductible for physical damage and cargo, Aggregate Deductible, rental reimbursement, and Personal Effects Property 
  • Rental reimbursement – This coverage can be attached to the physical damage policy and provides for the cost of a rental to keep the customer on the road as a result of a covered loss up to 120 days

For Public Auto, we offer: 

  • Roadside coverage – Windshield Repair and Replacement Endorsement is included in comprehensive coverage for no additional charge to all limousine, airport limousine, limo NOC and luxury sedan policies that have comprehensive coverage and vehicles with less than 16 passengers. It includes towing and labor costs as a result of mechanical failure, locksmith services, roadside tire repair, and roadside gasoline delivery. Windshield repair and replacement includes repair of windshield chips without application of the comprehensive coverage deductible and windshield replacement with a $100 deductible