Choice Coverage® Plus

MOTOR CARRIER

BUNDLED EQUIPMENT + BREAKDOWN COVERAGE

Choice Coverage^® Plus provides motor carriers and owner-operators a bundle of coverages to shield your trucking business from the expense of breakdown and equipment loss.

Roadside breakdown is costly. From towing to emergency expenses, your out-of-pocket costs can add up quickly. Towing your truck can be one of the biggest expenses, topping thousands of dollars per tow. The cost of a truck repair in 2020 was $491, according to a TMC/Fleetnet survey.

That’s where Great West’s Choice Coverage^® Plus can help. It’s a bundle of endorsements that protects your trucking business from the financial hit of multiple expenses when you experience a breakdown or an equipment loss.

In addition to breakdowns, the coverage also extends your equipment protection against fire and theft.

HOW MUCH DOES THE BUNDLE COST?

For $20 each month per power unit, Choice Coverage^® Plus covers the cost of towing and housing your truck as well as emergency expenses, equipment costs, and personal property.

DEDUCTIBLE REDUCTIONS FOR SAFE OPERATIONS

As an added bonus, Great West rewards motor carriers who run a safe company. Choice Coverage^® Plus coverage reduces your deductible for each year you are loss free, up to $1,000!

ELECTRONIC EQUIPMENT COVERAGE**

Coverage includes the electronic equipment physically located inside or attached to a covered auto.
Coverage is limited to a maximum of $2,500 per loss, less a deductible of $250.

MISCELLANEOUS EQUIPMENT COVERAGE**

Covers, binders, tarps, tie-downs, chains, and other equipment used to secure cargo on trailers not owned by you
Limit: $500 per loss with a $100 deductible

Pet coverage

Provides $1,500 of coverage if a dog or cat is injured or passes away due to a covered loss

RENTAL REIMBURSEMENT COVERAGE

Covers the cost of renting replacement tractors, trucks, and trailers when a covered breakdown occurs
Limits: $200 per day; $1,000 maximum

PERSONAL PROPERTY COVERAGE**

Coverage includes loss to personal property owned by you and physically located inside a covered auto
Coverage is limited to a per-loss maximum of $2,500 and a deductible of $250
Certain losses are not covered

MECHANICAL BREAKDOWN COVERAGE – TOWING*

Covers towing and/or roadside labor to a covered truck that is disabled due to mechanical breakdown
Limit: $5,000 for towing to any facility you choose
$500 less the deductible for any labor performed on a truck at the place of disablement

EMERGENCY EXPENSES COVERAGE

Covers emergency expenses related to a mechanical breakdown, including lodging, meals, vehicle rental, etc.
Limits: $100 per day; $500 maximum

DEDUCTIBLE REDUCTIONS

Loss-Free Policies	Deductible Reduction
Less than 1 loss-free policy	0% deductible reduction
1 loss-free policy	25% deductible reduction
2 loss-free policies	50% deductible reduction
3 loss-free policies	75% deductible reduction
4 or more loss-free policies	100% deductible reduction

Note: If any physical damage or cargo loss is paid, the deductible will not be reduced on any subsequent loss, and the deductible reduction will revert back to 0% if coverage is renewed.