i just came across some new to me information about installing a flat bed.my insurance company says,if you put a flat bed on your 3/4 ton single wheel pickup you need commercial insurance.it's a new thing in pennsylvania.if you don't tell them and have a claim they won't pay.just a word for the wise.everyone seems to be looking for a buck anywhere they can.

 

Do you have some documentation related to this?

A stock pickup can be used commercially just as a flat bed truck can be used to haul a camp trailer. The shape of the bed has nothing to do with it's commercial status

 

Colo River Ram - last week i told my friend i was going to put a flat bed on my truck.he said he came from his insurance agent today and he was told you need commercial insurance.so, i called my agent and they said the same thing,you need commercial insurance if you install a flat bed.i asked what if i put not for hire on the truck and they said i need commercial insurance.if i put it on and don't tell them,they won't pay a claim if i get in a wreck.please keep in mind we both live in pennsylvania,although we are 300 miles apart.

 

what a joke....

 

what insurance company am i not using again?

 

That is nuts!!!

 

i HATE insurance as it is, now they are trying to tell u WHAT we can and cannot do to/with our trucks, fleet insurances isn't CHEAP

 

Have you notified the flatbed manufacturer's of this.. I'm sure they would be interested in the information and would assist any way they could..

 

Somebody should write a letter to the congressman... and have laws set forth to stop insurance companys from making up laws of their own, randomly.

 

That's nuts! Make the center overlay of the bed 1/2'' taller that the others and call it a concave bed--insure that, smart-butt

 

I have my trucks on a commercial insurance corporation policy, It really was only $150 or so more per year.

 

Hmmmm....in kansas, if you have a flat bed,it's a lot cheaper for insurance. I'm also considered commercial now.

 

hrmm... not at all what I was expecting when I opened this thread. I guess I may have to place a call to the insurance co tomorrow.

 

Here in Ct i have a dumpbody with combination

 

This is true.

I have State Farm insurance on my trucks. My dually has a flatbed. They require me to carry commercial insurance because of the bed no matter how hard I argued that it was personal use only. It's a bummer, but the cost was only 6 bucks extra a month.