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I asked the agent directly and was told because it was over 10k it was a insured on a non-commercial/commercial policy...whatever that is. I cannot use the truck for financial gain, but it is covered for personal use. Going to re-read my policy tonight....
Don't bother with USAA, been there, done that.....I had my truck insured with them and they called me back sometime later and said upon further review they don't do anything over 10,000 lbs.
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