tlukasavige172 wrote:
However, he wasn't sure if an insurance company would try to cash in on that fact if I ever tried to make a claim. He said there really wasn't a way to know as they would not put it in writing. So that leaves me a bit lost.
That's where they get you. When the issue the policy, it will include a list of exclusions. Commercial use will certainly be on there. What you have to be careful with is how the policy defines commercial use. If there's any wiggle room whatsoever, you can be pretty sure that they will wiggle right through in case of a claim. So.... read the exclusions very carefully. I cancelled one policy because I ran across an exclusion for "modified suspension". Since I have air-bags, changed my leaf springs, and converted to a dually I was pretty sure they would deem my suspension "modified" if I ever had a claim.
As much as I don't like lawyers, I think a personal liability attorney could be really useful to ensure you are properly covered by the policy you select. Or at the very least, think about a million-$ umbrella policy, so at least you'd be covered in case your trailer insurance bails on you if anything went wrong, and the courts did decide you were operating commercially ($1,000,000 is the commercial vehicle minimum). It sucks to think about the what-ifs. I work in loss-control, so that's a lot of what I do. Besides, a blanket policy will cover you in somebody trips over a crack in your sidewalk, or your dog scares a cyclist and falls of their bike....
