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NewTown_66 · 08-05-2009, 06:50 PM

I was on the phone with the insurance company over an hour trying to figure out what the "truth" is. I don't plan to lie to them, but if I have the truck registered at 11000 lbs, and I'm not hauling anything with it.. ever, I should be able to insure it as such.

I tried to find out from them how they classify their "1 ton" trucks and on anything pre-72, they just took the owners word on it. They said that if they found out I was misrepresenting the vehicle after an accident, they wouldn't cover me. So I asked how they would find out if I "misrepresented" and they couldn't give me an answer. I am going to do some more digging before I switch my policy, but I am going to try every legal thing possible to get out of paying $2300/yr for insurance on a truck I drive 12-14 times a year.

The insurance agent I spoke with also told me that with the age of the vehicle, and what I plan to do with it, insuring it as a 1 ton wouldn't be misrepresenting it (but she isn't part of the claims group).

08-05-2009, 06:50 PM	#6
NewTown_66 Registered User Join Date: Jul 2009 Location: Campbell, NY Posts: 14	Re: Insuring your truck with non-classic insurance I was on the phone with the insurance company over an hour trying to figure out what the "truth" is. I don't plan to lie to them, but if I have the truck registered at 11000 lbs, and I'm not hauling anything with it.. ever, I should be able to insure it as such. I tried to find out from them how they classify their "1 ton" trucks and on anything pre-72, they just took the owners word on it. They said that if they found out I was misrepresenting the vehicle after an accident, they wouldn't cover me. So I asked how they would find out if I "misrepresented" and they couldn't give me an answer. I am going to do some more digging before I switch my policy, but I am going to try every legal thing possible to get out of paying $2300/yr for insurance on a truck I drive 12-14 times a year. The insurance agent I spoke with also told me that with the age of the vehicle, and what I plan to do with it, insuring it as a 1 ton wouldn't be misrepresenting it (but she isn't part of the claims group).