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A vehicle designed originally to be driven legally on public roadways. There is always a list of modified vehicles that insurance companies will not insure. These also include vehicles that were imported but not brought up to the standards of the state where you live or the United States. Often times when people import cars into the US but don't have anything done to them, they are considered "Gray Market" because they are not up to the safety standards required in the U.S. Another type is heavier than normal trucks while are legal, they are not designed to be used as passenger vehicles. Usually trucks over 3/4 ton or 1 ton have to be insured on a commercial policy. The reason for this is that usually these trucks are used commercially but people try to insure them as a personal vehicle because it is cheaper or they think it is cheaper. Most companies will not insure them on a personal policy.
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