Optional coverages are sold in conjunction with Physical Damage

Additional OOIDA Insurance Coverage Options

Supplemental Towing and Clean-up

Provides towing needs from the scene of a covered loss and cleanup to help with the cost of removal of debris and cleaning of the immediate vicinity of an accident following a covered loss (subject to limit of coverage purchased).

Provides towing needs from the scene of a covered loss and cleanup to help with the cost of removal of debris and cleaning of the immediate vicinity of an accident following a covered loss. Does not cover fuel clean-up.

Roadside Breakdown

If you’ve ever been caught stranded on the side of the interstate, you’ll know why breakdown coverage is important. It helps to pay for towing and labor in the event of those unforeseen predicaments that happen sometimes. Travel with the confidence that comes with OOSI’s breakdown coverage.

If you’ve ever been caught stranded on the side of the interstate, you’ll know why Roadside Breakdown coverage is important. It helps to pay for towing and labor in the event of those unforeseen predicaments.

Rental Reimbursement

Provides reimbursement for a rental vehicle to replace your vehicle while it is inoperable due to a covered loss under the physical damage policy. Maximum coverage available is up to $300 per day, per covered vehicle with a maximum during any one policy period of $9,000. Also available for losses covered under OOSI’s roadside breakdown coverage.

Get reimbursed for rental in the event of a loss under your physical damage coverage with paid invoice from a valid rental company and the completed reimbursement form. Maximum coverage limited up to $300 per covered vehicle, per day with a maximum during any one-policy period of $9,000.

Personal Property Coverage

Protection of personal property carried in your truck that is not covered under any other insurance policy. We offer a variety of limits ranging from $2,000 to $5,000 so you can choose the amount of coverage that you require. Each limit is subject to a deductible.

Protects specific property not covered by your fire, theft and collision, or home-owners policies. Limits range from $2,000 to $5,000.

Optional Downtime Coverage

Extended protection for periods of downtime due to repairs following a covered physical damage claim. Limits of coverage available of up to $300 per day with a maximum of $18,000. (14-day waiting period will apply).

You can now choose increased limits for additional downtime coverage! We offer limits of up to $300 per day with a maximum of $18,000. Optional Downtime must be purchased in conjunction with Physical Damage and a 14-day waiting period will apply.

Limited Depreciation

If you have a new current model tractor, you stand to be hit with a lot of depreciation during your first couple of years of ownership. This coverage virtually eliminates depreciation on your new, current model tractor.

If you are purchasing a new truck and secure your physical damage through OOSI be sure to ask your agent to include Limited Depreciation, that virtually eliminates depreciation on current model vehicles.

Trailer Interchange Coverage

If your shipper or motor carrier requires you to be responsible for damage to any non-owned undescribed trailers pulled by your vehicle, you’ll need to add trailer interchange to your policy.

This coverage provides basic physical damage protection to nonowned undescribed trailers pulled by your vehicle.

Gap Coverage

Provides protection for the difference between your loan payoff and the market value in the event of a total loss by collision. This coverage is available for both tractors and trailers.

In the event of a total loss by collision, Gap provides protection for the difference between your loan payoff and the market value.