Coppersmith
Senior Member
- Location
- Tampa, FL, USA
- Occupation
- Electrical Contractor
If you are a traveling salesperson or some other similar job where you drive a "car" for your work, isn't that vehicle technically a commercial vehicle? Now drive an SUV instead and you have a vehicle that is technically in a trucks and vans classification and they may scrutinize the claim more then for a regular sedan used for same purposes.
Bottom line is the insurance industry is about profits first, especially for the top officers or any investors, then try to get out of as many claims as possible on technicalities.
I once was a delivery driver for a major pizza chain. Technically, if you are delivery driving, you are supposed to have commercial insurance on your vehicle, but the pizza shop doesn't tell you to do this. That would make the job unprofitable and they would never get any drivers. Nor could the pizza shop afford to pay for the insurance without making a cheese pizza cost $20. Instead they tell you if you are in an accident, take the lighted sign off your car and take your logo'ed shirt off and put it on inside out.