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What company would insure a commercial vehicle owned and used by a private party for personal use such as a Freightliner FL50?
Wiki User
∙ 13y ago
THATS A GOOD ONE. MOST COMMERCIAL TRUCK INSURANCE COMPANIES WOULD BE WILLING TO. THE PROBLEM IS THAT THEY WOULD CHARGE THE SAME PREMIUM THEY WOULD FOR THE TRUCK THAT HAULS FOR HIRE. YOU WOULD ALSO STILL HAVE TO HAVE OPERATING ATHORITY IN California IF THE GVW IS OVER 10,000LBS WHICH ALL TRACTORS ARE.
Try progressive, you would be surprised how low their rates are. I have an Isuzu NPR medium duty truck that I use for personal use. It has a flatbed and I use it, so I don't destroy my pickup. My insurance is $1200 per year in upstate NY.
It would be A LOT different insuring a commercial vehicle as a private vehicle ONLY then used as a commercial vehicle. As long as you aren't "For Hire" you are exempt from "most" Commercial laws, each state is different. There are quite a few ex truck drivers that just convert their old Class A trucks into RV's.
You would still have to have the license to drive it tho, Air brakes, Class B, endorsements and tonnage weight limits of the truck, etc.
Wiki User
∙ 13y ago
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