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Fire and Theft with Combined Additional Coverage (CAC) insurance is sometimes called Limited Comprehensive insurance or Specified Perils insurance. This coverage is a limited form of Comprehensive insurance for certain types of heavy trucks.
Fire and Theft with CAC insurance pay to repair or replace your vehicle in case it is damaged by specific, non-collision incidents.
Fire and Theft with CAC Insurance Example
You leave your house one morning and realize that your semi-trucks has been stolen.
If you chose a $500 deductible, you would pay the first $500 out of pocket. Your Fire and Theft with CAC insurance would then pay the rest of the cost to replace your vehicle, up to the Stated Amount that you submitted.
Fire and Theft with CAC insurance is a limited form of Comprehensive insurance designed especially for larger trucks. For protection in case of accidents, you can select Collision insurance, to complement Fire and Theft with CAC insurance for your vehicle.
When you select Fire and Theft with CAC insurance you must pick a deductible which is the amount that you agree to pay out of pocket when you have a claim. You also must submit a Stated Amount, which is your best estimate of the current value of your vehicle considering the age and condition of your vehicle, as well as any permanently attached equipment.