Re: Pickup Truck tool box recommendations

["Bob La Londe" <usenet@xxxxxxxxxxxxxxxxx>]

I run a couple compacts myself for service work.  They are great.


"thesatguy" <thesatguy1@xxxxxxx> wrote in message
news:5mITg.16400$rg1.3446@xxxxxxxxxxxxx
> > Yeah, I really should look into that.  I don't want to ask >MY insurance
> > company or I'll get whammied!
>
> I don't know where you guys are buying insurance but the last couple of
> times I tried buying insurance at an insurance office they always take a
> picture of the vehicle for the files.  If the truck had any sign or ladder
> or toolbox or any radios inside they wouldn't offer you anything except
> commercial insurance.
>
> They said they would check for these things if you had any accident and
> didn't have a commercial policy.  At Geico they looked out the window and
> saw my truck and said no thanks - we don't write insurance for
contractors.
> I said I'm not a contractor and she says only contractors buy pickups with
a
> long bed and your truck has a long bed so we wouldn't be interested.
>
> At another place where I had bought insurance for years the gal came out
and
> looked in the bed of my truck and saw a ladder and said they could only
> quote a commercial policy.
>
> The standard policy is some $1200. a year but a commercial policy is
around
> $250. a month for the least coverage.  The girl says we will not pay your
> claim if we think you are using the truck for commercial purposes period
> unless you have a commercial policy.
>
> So I went online and got esurance and am now in my third or fourth year
with
> them and they never questioned anything although they do make it clear
they
> don't cover commercial vehicles if they find out you have one.
>
> I just got rid of my high dollar silverado and bought the small toyota so
I
> could knock down the high costs of service calls and now I wonder what the
> hell took me so long.  Every time you buy a tank of gas you save almost
$50.
> and it drives like a sportscar with the crossbox on it.  However putting a
> top on the back along with a ladder rack has turned out to be a big
problem
>
>



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