If you do not use your truck commercially, do you have to have commercial insurance for a 45 or 5500? All the things i am trying to get figured out before I get the truck in.

 

It depends on your agent and the lines he carries...Lots of guys just ignore the problem and think they get away with it...until there is an accident. Good friend of mine bought a f450 with a pro-tech back end and got around to calling his agent up weeks later...he never was covered by the policy he had in place and had to change companies.

 

Not that I know of, I haul cattle, hay, farm equip for myself. Ihave full coverage, $1k deductible, towing, and rental through Texas Farm Bureau for about $70/month.