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Re: [RC] Truck Ins followup - Roger RittenhouseSteph is correct for TN also. I had the Progressive Ins agent here quote me rates.. WOW or BIG $$ They cannot write a personal policy for the truck- ie GVW over 10K.. The truck while listed as private use must be written on a commercial policy. AND add to that the LQ GN horse trailer - due to its GVW and the size and the use, going to rides out of state and over 200 miles from home... it MUST also have LIABILITY Ins coverage.. They ask the questions about use etc - they make a record of what you claim, then you sign the form that all you said is true. If you dont let them know what the facts are - they can drop you .. The BIG LQ trailers cannot be under the liability of the truck. It will be covered under the same policy as the truck, but with its own liability and collision coverage. A small trailer under 10K GVW and less then 20 ft can be written under the truck liability. So I am going to get the correct insurance, when I can get the funds.. Cost for a YEAR is $1796 for truck and trailer. Payable up front. Policy is being written by Progressive. The agent said there were other under writers but all higher then Progressive... at least here in TN. It may be easier and less BS hassle to go back to a Motorhome. The agent told me that would be a better option to insure and to tag -- the motorhome in TN does not require the same tag as the pickup truck..of course you still have to be under the weight ratings of the motorhome etc.. Roger R *********** REPLY SEPARATOR *********** On 8/5/2003 at 6:16 PM Stephanie E Caldwell wrote: Here in North Carolina state law says that any vehicle *rated* over 10,000 lb can not go on a personal policy, it must go commercial. That means Duallys and most 3/4 ton vehicles. Anything over 10,000 lbs here in NC is a Mid weight vehicle. Insurance varies from state to state, but most states personal policies will not cover a vehicle rated over 10,000 lbs, but most agents are too clueless to realise how much these things can pull or carry. I know because I drive a truck and haul a trailer, until I started hauling I didn't know and didn't care! If you're rated over 10,000 lbs on a personal policy they do not by law have to pay your claim, nothing more than financial responisbility. When I upgrade my truck to a dually I'll bite the bullet and go comm'l and comm'l insurance, but I'll be damn sure I'm not overweight. It's not the legal problems associated, but too much can happen too quick. Steph =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-= Ridecamp is a service of Endurance Net, http://www.endurance.net. Information, Policy, Disclaimer: http://www.endurance.net/Ridecamp Subscribe/Unsubscribe http://www.endurance.net/ridecamp/logon.asp Ride Long and Ride Safe!! =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
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