Keep your wheels covered with physical damage coverage.
Losses resulting from accidents are covered by physical damage insurance. Physical damage insurance covers damage to your truck, for example, if involved in an accident, if it is stolen, or if it is damaged by flood, fire or animals.
You should have physical damage insurance if you have a loan on your vehicle, or if you want to fully protect your vehicle. Also, if your vehicle is leased, you might be required to have physical damage insurance.
The main factors that could affect the cost of your coverage are: