ok, i am getting ready to renew my auto insurance policy. i have a car and my work truck. i have never had comercial coverage on my work truck as no regular insurace comepany does comercial coverage. so i am wondering if i am not taking a really big risk here not having comercial on my truck that pulls my 18' trialer and equip. i have had my lawn care buisness for 7 years and do everything right, i am fully chemically certified, i have a million dollar umbrealla liability coverage and always have. but i am just wodering what every one out there thinks on this. i have heard that if i get in an accident my insurance company might not pay. is this true?