RV Insurance Medium-Duty Truck Coverage
As fifth wheels, travel trailers, and horse trailers are getting longer, larger, and heavier. The typical pickup truck becomes less safe and less capable of pulling the weight. Having the right type of stopping power and the right type of pulling power is a safety must. Medium-duty trucks are not your old work truck anymore; with new comfort and control they have what RVers are looking for. As a result, medium-duty trucks are becoming more popular in the RV and equine cultures.
Freightliner, Peterbilt, Kenworth, International, or Volvo single-rear axles
Ford 450s and 550s
GMC & Chevrolet 4500 and larger pickups with single-rear axles
The term "medium-duty" may be unfamiliar to you, so here are some examples of common medium-duty trucks:
Gross vehicle weight of any of these vehicles must be less than 26,000 pounds.
I have also seen a one ton dually get moved out of a personal auto policy into a commercial policy. So we have seen them also classified as a medium-duty.
Many RVers who would like to purchase a medium-duty truck to pull their RV or horse trailer are confronted with a stark reality; it is difficult to find proper insurance. Of the few companies offering coverage for these units, most require the trucks to be on commercial policies which are often expensive as well as confusing for the insured. Also, commercial policies usually have strict mileage limits from the garaging address listed on the policy.
Specialty Insurance Agency have access to an insurance program that was one of the first to realize that the medium-duty trucks were being used more frequently as personal vehicles pulling towable units. In this program, the medium-duty truck is insured for personal use and not as a commercial vehicle, as long as the intended primary use is to tow the fifth wheel trailer, travel trailer, or horse trailer for recreational purposes. The underwriters understand that the use of the truck is recreational, as its purpose is to pull an RV, so it is insured as such.
Through this program, the medium-duty truck can be insured as a stand alone vehicle with the standard auto coverages, or combined on one policy with the towable unit. However, there is a significant premium difference if the fifth wheel or travel trailer is included on the same policy. The discounts are worth insuring them on the same policy. The specialty RV coverages are still available to the recreational trailer in this case. The ability to place both vehicles on one personal policy simplifies everything for the insured with one policy and one bill.
About the Author:
Explorer Specialize in RV insurance nationally; (LLC, Trust, and Business coverage) (Class A, B, C, Motor homes, Bus Conversion, Med-duty). Finding a insurance solution for our clients is what we do, and Explorer can help your clients. Please contact with any question.
Tod Carney
Agency Manager
http://explorerrv.com/Blog
http://explorerrv.com
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