Watch out. DOT will most likely come to the same conclusions as Geico.... If it looks commercial, it probably is commercial and therefore you must follow all CDL requirements and have a commercial policy.
Receiving compensation (cash or goods) in association with your trailer (i.e. the wrap, or you are transporting, promoting, or competing with said goods) falls under commercial use, as far as DOT cares.
That's interesting Bryan and something I've never thought about. I've not stopped at weigh stations or anything like that in the past. We'll see what Canada thinks when I cross the border in a few months.
