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You answered your own question. Just think what you'd pay out of pocket if you took your truck just down the road and the brakes just go to the floor at the intersection (yes, it's happened before) and you plow into a family in a mini-van and send 2,3, or 4 people to the hospital. I'm...

Good luck getting them to pay up if you ever need them too. If your agent just made up some extra numbers for your vin it means she didnt do any research to find out exactly what she was writting up. With almost 100% certainty,when you need it, they will tell you "Oh we don't cover those".