For truckers hauling perishable cargo in California, reefer breakdown protection goes hand-in-hand with motor truck cargo insurance. If the refrigerated trailer breaks down, spoiling its perishable freight, reefer coverage pays to the ruined goods. It covers the decline when mechanical issues or mishaps result in refrigeration failure. As an example, https://images.google.ru/url?q=https://www.strongtieinsurance.com/commercial-truck-insurance-california/