Trying to get a quote for a haul and tow type truck and i seem to be having issues with cargo coverage.
In NY, progressive is classifying the truck as a car carrier and not a car hauler and offering only on hook coverage for cargo.
To the best of my understanding car carrier is a rolloff tow truck and on hook coverage is tow truck insurance, is that correct?
I have seen a few loads that put "No on hook" in the load comments, is this common for a lot of auto transport brokerages? Trying to understand if this is an issue I will be running across a lot?
Could I insure the truck as a car carrier with progressive for liability and get regular cargo coverage through a different insurance company for auto hauling?
If the truck is being insured as a car carrier do I need a tow truck endorsement?
When I ask insurance agents these questions they seem dumbstruck and dont have a straight answer for me. Called other companies and its always something, OOIDA won't insure anything under 26001 lbs, other companies are quoting me insane prices even with a clean record and almost 2 years experience and still seem to not understand what type of truck I am talking about even after I send a picture. One of them kept saying that it is a truck tractor even though I keep correcting them that it is a straight truck with a car hauler bed and not towing anything.
This is the last step keeping me from purchasing and building the truck and getting to work. Any tips or advice?