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You're correct in that they appear to exclude these vehicles even if they've been converted to a RV configuration (absolutely in the case of school buses but they'd likely point to the other examples in the case of a LMTV). Two of the most important things in the policy to review are (these...

Again, read your policy and anything you don't understand, ask. ...................

Sorry but I'm going to call BS on this one. Having worked for a national insurance company I can tell you that if you have something on your policy they can't deny it just because you're in a different part of the country. If you have verifiable proof of this happening (and I'm not talking...

Most tow coverage is on a reimbursement basis, i.e. you pay and then they'll pay you back (if you're covered).

Not sure if this is breaking the “no insurance discussion” rules but my last tow was $850 and completely covered by the policy. They said I was fully covered anywhere within 200 miles of home.