PHYS DAM INSURANCE EXPENSE (% OF REVENUE) ( OO)((Physical Damage Insurance Premium OO+Physical Damage Insurance Deductibles and Retention OO)(Linehaul Revenue OO+Accessorial Revenue OO))∗100(\frac{(Physical\ Damage\ Insurance\ Premium\ OO+Physical\ Damage\ Insurance\ Deductibles\ and\ Retention\ OO)}{(Linehaul\ Revenue\ OO+Accessorial\ Revenue\ OO)})*100((Linehaul Revenue OO+Accessorial Revenue OO)(Physical Damage Insurance Premium OO+Physical Damage Insurance Deductibles and Retention OO))∗100