I searched but couldn't find the exact answer to my question so here it is. I have part time commercial insurance on my truck (i guess you could call it), because I mainly use it for personal use but it is my work truck also. They asked how many miles a year i put on it, I said 10-12,000 then they asked how many miles a week will be business miles. I'm still expanding so I said up to 200 miles a week but it will most likely be less (really only be under 100) but I wanted to play it safe. So my question is since I have commercial plates and lettering on the doors what if I was in an accident while using the truck for personal use, could someone try to say oh well he has signs on his truck he's commercial just to get money even though I'm just doing personal stuff? I forgot to ask about this when i had talked to the rep, but if you figure out 200 miles a week, thats 10,400 for 52 weeks so its almost like I'm coverd all the time. Just wanted to see if someone could help so I don't have to call again and explain the situation to them (national company so i probably wouldn't be talking to the same person). I was suprised, insurance went up 25 dollars for 6 months only, I thought for sure they'd stick it to me.