Insurance for F-550 1-1/2 ton
Getting pricing for Insurance on 2006 F-550 1-1/2 ton truck. They are making me go the commercial route dang it. Hopefully there is a multi vehicle discount. Hopefully it won't be bendover pricing th...
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You’re confusing with DOT regs which is irrelevant
no I wasn't as the regs that affect stuff like that is out registration. then we have the option of personal insurance, or if you have a company and are using it for the company to make money then you have to get commercial insurance.
Apologies, my point was just because that’s how ICBC does it, does not matter.
IDK why but I think it’s fairly universal in the states, at least the several I’ve lived in, that class 4 and up is only insured commerical. Even with a pickup body. Makes no sense to me either. A F550 used for personal and often only occasional use (not many drive a F450 around as a grocery getter) imo is no more risk than a lighter gvw vehicle. But that’s how it be.I don’t believe I brought that up specifically when Camper Jeff was talking about a F550 a while back. But another reason they are less practical or more costly unless you actually need a truck that heavy.
its not just icbc that does it, the Privat insurance companies are the same in Alberta and it is much cheaper than ICBC that rips us off. I would be interesting to see what the other Canadian provinces do. as for the US I love visiting, I considered moving there when I retired from he military as I spent more time in the US than I did in Canada for my 20 years service, but I ended up staying here. stuff like this I just don't get and I find interesting to learn about. how can they force you to buy commercial insurance if you are using the truck privately for a rv? are they worried the company is going to lie and try get cheep insurance? if so if something happens up here and you are using it out side the scope of your insurance you are void and not covered, or it is considered fraud which is a criminal act and you are not covered..
