CO LMTV/FMTV/MTV commercial / personal

[flatwerx]

How are you insuring your vehicle? Commercially or private/personal?
From what I've read, LMTV/FMTVMTV need a CDL for commercial but not personal, if I've read correctly.

I know we can register to an LLC in Montana. Curious on insurance.

 

[Mullaney]

How are you insuring your vehicle? Commercially or private/personal?
From what I've read, LMTV/FMTVMTV need a CDL for commercial but not personal, if I've read correctly.

I know we can register to an LLC in Montana. Curious on insurance.

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It is interesting how insurance works. My vehicles are mine in my name. The insurance company wrote the policy as a commercial policy. In North Carolina that was the best way and best priced way to insure my stuff. Definitely worth asking your agent...

 

[flatwerx]

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It is interesting how insurance works. My vehicles are mine in my name. The insurance company wrote the policy as a commercial policy. In North Carolina that was the best way and best priced way to insure my stuff. Definitely worth asking your agent...

Did you need to get a CDL?
Chatting with my agent tomorrow about this. I'm also curious in having it registered to a Montana LLC (if I go that route) and having a CO insurance agent?

 

[Mullaney]

Did you need to get a CDL?
Chatting with my agent tomorrow about this. I'm also curious in having it registered to a Montana LLC (if I go that route) and having a CO insurance agent?

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No CDL Requirement in North Carolina if you are not "hauling for profit". If you are using these trucks for personal use definitely no special license required (here). I do have a Class A that I got forty years ago when I drove an over the road tractor.

 

[flatwerx]

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No CDL Requirement in North Carolina if you are not "hauling for profit". If you are using these trucks for personal use definitely no special license required (here). I do have a Class A that I got forty years ago when I drove an over the road tractor.

Thanks!
I imagine as long as it's not for profit, I should be good here in CO. Hope to find out more tomorrow. Was nervous on registering it with an LLC and having it looked at as commercial.

 

[MGVFD]

In Texas with our VFD I was required to get a class B license due to the air brakes.

Sent from my moto g power (2021) using Tapatalk

 

[flatwerx]

Thanks @MGVFD
My current provider won’t insure it so I’m calling a few others this week.

 

[tuckerj84]

Thanks @MGVFD
My current provider won’t insure it so I’m calling a few others this week.

Did you end up finding insurance in CO? I've had both Hagerty and the State Farm cancel my policies after initially issuing them. I too had to register it in Montana. Thanks!

 

[338ken]

Gulfway no longer insures them. Travelers quit our market. Farm Bureau will not insure either. Our local State Farm agent is not much help. She does not think so but is sending my info to underwriting. I have had a class A with Tanker endorsement for 40- years and clean driving record. I had not dreamed it was going to be this hard to get insurance.

 

[Lostchain]

Gulfway no longer insures them. Travelers quit our market. Farm Bureau will not insure either. Our local State Farm agent is not much help. She does not think so but is sending my info to underwriting. I have had a class A with Tanker endorsement for 40- years and clean driving record. I had not dreamed it was going to be this hard to get insurance.

My LMTV was easy to insure on a progressive commercial policy, roughly $550 a year…

 

[Carowockner]

Hey all, wondering if anyone has any updates on their insurance searches. I have an M1079 in CO that we’re going to do the Montana LLC process with. My normal insurance agent was like nope and another broker said she couldn’t find anyone. However, I made the mistake of leading her down the RV road and I think it would be better to just say it’s a work truck.

 

[tuckerj84]

I’ve had a Progresive Comercial (for personal use) for a year and a half now. Not cheap if you want full coverage, but this is the only one that has stuck. Hagerty and State Farm both canceled my policies after a month.

I’m also in CO with a MT plate. Progressive even asked for a copy of the title to confirm the VIN and they were okay with the MT title.

 

[Yaya-M1093A1]

I’ve had a Progresive Comercial (for personal use) for a year and a half now. Not cheap if you want full coverage, but this is the only one that has stuck. Hagerty and State Farm both canceled my policies after a month.

I’m also in CO with a MT plate. Progressive even asked for a copy of the title to confirm the VIN and they were okay with the MT title.

Hi,

Could you share how much progressive is charging for their insurance? I'm in CA and also have FMTV - going with the MT plates and trying to figure this thing out.

Thanks