"Commercial" insurance policy for my R3500?

Found this on NCDOT.ORG. Agent #2 couldn't find anything on it today while I was in the office...
http://www.ncdot.gov/dmv/vehicle/irp/
"Unified Carrier Registration Program (UCR)


Did you know?

If you operated in the prior year and did not register in the UCR, you must pay both last year's and the current year's UCR fees to avoid possible enforcement action. North Carolina will mail the UCR registration renewal invitations to all North Carolina carriers annually.​

The Unified Carrier Registration (UCR) Program requires individuals and companies that operate commercial motor vehicles in interstate or international commerce to register their business with a participating state and pay an annual fee based on the size of their fleet. Companies operating solely as brokers, freight forwarders or leasing companies are also required to register and pay a fee of $76.00. Companies providing both motor carrier services as well as broker, freight forwarder or leasing services are required to pay the fee level set at the motor carrier level.

A "commercial motor vehicle" is defined as a self-propelled vehicle used on the highways in commerce principally to transport passengers or cargo, if the vehicle:

  • has a gross vehicle weight of 10,001 pounds or more;
  • is designed to transport 11 or more passengers (including the driver); or
  • is used in transporting hazardous materials in a quantity requiring placarding.

You must pay UCR fees annually in order to operate in interstate commerce. This has taken place of your Single State Registration System (SSR) and Interstate Exempt System (IEX).

To be able to register properly with Unified Carrier Registration system, we strongly recommend that you use the National Registration Web site or you may mail your payment together with your completed UCR application form to:

  • Go Online:
    www.ucr.in.gov
  • Mail us:
    NC Division of Motor Vehicles
    International Registration Plan Section    1425 Rock Quarry Rd., Suite 100
    Raleigh North Carolina 27610"
 
License Plate Fees
Plate Fee, Private Passenger Vehicles $28.00
Plate Fee, Private Truck Under 4,000 lbs $28.00
Plate Fee, Private Truck Under 5,000 lbs $43.50
Plate Fee, Private Truck Under 6,000 lbs $51.60
Plate Fee, Trailer or Semi-trailer $19.00
House Trailer and/or Camping Trailer $11.00
Motorcycle $18.00
U-Drive-It Car $51.00
Private Bus (16 Passengers and More) $31.00
Permanent & State Owned Plates $6.00
Regional Transportation Authority Registration Tax for Vehicles Registered in WAKE [?] $5.00
Piedmont Authority for Regional Transportation Tax for Vehicles Registered in RANDOLPH County [?] $1.00
Vehicle Fees, Contact & Delivery Information

Email Us:
Visit Us:
Mail Us:
N. C. Division of Motor Vehicles
3148 Mail Service Center
Raleigh, NC 27699
 
bowtieman55 said:
Found this on NCDOT.ORG. Agent #2 couldn't find anything on it today while I was in the office...
http://www.ncdot.gov/dmv/vehicle/irp/
"Unified Carrier Registration Program (UCR)


Did you know?​
If you operated in the prior year and did not register in the UCR, you must pay both last year's and the current year's UCR fees to avoid possible enforcement action. North Carolina will mail the UCR registration renewal invitations to all North Carolina carriers annually.​

The Unified Carrier Registration (UCR) Program requires individuals and companies that operate commercial motor vehicles in interstate or international commerce to register their business with a participating state and pay an annual fee based on the size of their fleet. Companies operating solely as brokers, freight forwarders or leasing companies are also required to register and pay a fee of $76.00. Companies providing both motor carrier services as well as broker, freight forwarder or leasing services are required to pay the fee level set at the motor carrier level.

A "commercial motor vehicle" is defined as a self-propelled vehicle used on the highways in commerce principally to transport passengers or cargo, if the vehicle:

  • has a gross vehicle weight of 10,001 pounds or more;
  • is designed to transport 11 or more passengers (including the driver); or
  • is used in transporting hazardous materials in a quantity requiring placarding.
You must pay UCR fees annually in order to operate in interstate commerce. This has taken place of your Single State Registration System (SSR) and Interstate Exempt System (IEX).

To be able to register properly with Unified Carrier Registration system, we strongly recommend that you use the National Registration Web site or you may mail your payment together with your completed UCR application form to:

  • Go Online:
    www.ucr.in.gov
  • Mail us:
    NC Division of Motor Vehicles
    International Registration Plan Section    1425 Rock Quarry Rd., Suite 100
    RaleighNorth Carolina27610"
Click to expand...

That's IRP. That's governed by USDOT interstate commercial regulations, not the same thing.
 
That's the ONLY thing I could find; more than she could at the insurance office.
 
even though it's not exactly related. lol
 
You could just sell me the dually and I'll take all of this aggravation off your hands :D
 
http://www.dmv.org/nc-north-carolina/insurance/commercial-auto-insurance-minimum-requirements.php

^ ^ ^ There is more on the website than what I am posting below

"Determine Whether You Need Commercial Insurance


The kinds of factors that will help you determine whether you need commercial insurance include:

  • How many and what kind of vehicle(s) you need to insure

  • How the vehicle(s) is being used

  • Who drives the vehicle(s)

  • Who owns the vehicle(s)

Of course, sometimes drawing the line between the need for a commercial policy and a private one can get tricky.

For example, if your business owns even just one vehicle that’s dedicated solely to helping your business provide goods or services, then you probably need commercial coverage. On the other hand, if you’re self-employed and have a vehicle you use just for business-related traveling, it’s likely you only need a private policy.

Consider the following situations. If any of them apply to you, it’s possible you need to purchase commercial insurance:

  • Your business equipment cannot be removed from the vehicle(s).

  • You or your business picks up and delivers goods and/or people.

  • You have multiple vehicles used by craftsmen or skilled workers (aka artisan use).

  • The coverage limits on a personal auto policy are not high enough.

  • You need to protect your employees when they use your company vehicle(s) or their own vehicles on company time.

For further assistance determining whether you need a commercial policy or a private one, contact the Division of Motor Vehicles (DMV)."
 
DMV.org is just *a* website, not *the* website of the NC Department of Transportation. Just FYI.

If you want a real answer, I'd suggest calling DOI in Raleigh. See where that gets you.
 
Dept of Insurance Shawn?

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you aren't involved in "commerce" with your vehicle. Therefore its a personal vehicle and personal policy.

I still think the agent is an idiot and fishing for ways to squeeze more $$$ out of you.

I have my F350 tagged for 20,000 lbs and its on my personal policy along with my wife's Volvo. :)

Get a new agent.
 
I just got off the phone with Shirley at NCDOI and she says something doesn't sound right considering my agent cannot or will not give me a reason for this policy change.

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My agent, as I've mentioned, says it's strictly a weight issue.

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Still not sure why you haven't called another agent yet.

My insurance company recently sent me a letter to sign approving a 17% increase in my home owners rates. For no reason. Rather than trying to hash things out with them,yet again, I am changing insurance companies.
 
I just called Farm Bureau. Tom at Farm Bureau confirmed it's 100% correct. They do it all the time for duallies, motorhomes, etc. Apparently its a weight (tagged weight also) issue.

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I'm currently with State Farm; they "swear" by the "Commercial Policy", as does the local Farm Bureau.
 
Ahhh makes sense I guess. I forgot NC has that crazy tag law. I would shop around if I were you, I don't know who you have but there are always others out there that will beat the price. Just make sure that who ever you shop around with doesn't skimp on the coverage or jack your deductible up on you. I will say, in some cases you pay what you get for. Remember, insurance is supposed to be there when you need it the most and a bad company or service will leave you frustrated and in some cases left high and dry.
 
As someone else said, skip the BS and call the DOI and see what they have to say. I don't deal with NC so I'm not sure what their laws are for getting a policy set up. I wouldn't think it would matter but it could. Typically you would a commercial policy because the coverage is higher to protect you if you have high exposure. The DOI is the final say on the matter, they know what the law is for the state and can also help you if you have issues with your insurance company. Call them tomorrow and post back what you find out. I can see if my counter part in NC can add any insight as well.

North Carolina Department of Insurance
1201 Mail Service Center
Raleigh, NC 27699-1201
800-546-5664 - in North Carolina Only
919-807-6750 - outside North Carolina
 
I did call DOI. ;) it's a few posts up

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But honestly, Shirley at DOI couldn't answer much about it either. Tom at Farm Bureau said the "Commercial Policy" for overweight vehicles has been around for AT LEAST 3 years.

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Out of curiosity, how much does that policy run you?

I have:

85 S10, minimum coverage, liability (4000lb tags)
99 Silverado, full coverage and soon going to have it appraised for aftermarket upgrades in case of a wreck or theft (6000lb tag)
86 K30, liability, (13,000lb tags)

All on a personal policy through Farm Bureau which I pay every 6 months. My last bill was 535 bucks. Not bad, especially since I'm 23.
 
For the last 3 years (since I opened the policy), it's been $103.12 every 6 months. The rate changed Monday and jumped to $188, an $85 increase, NOT including the $30-$35 extra it would be with the additional "Non-Owner's Policy". Farm Bureau's quote was actually priced higher, but they haven't heard of the "Non-Owner's Policy", so I believe it was included in their quote, just worded differently.


"The Farm Bureau quote for your dually with $300,000 bodily injury single limits, $1,000 medical pay and $50 deductible for comprehensive as well as the uninsured/underinsured motorist coverage is $215 per 6 months with a 0-50 mile radius. With a 51-200 mile radius the premium increases to $255 per 6 month period.

Misc :
Please call so I can explain single limits verses split limits on bodily injury
Please give me what you think might be an original cost new (back in 1990) for your truck … I guessed at $45,000 but you probably know better
When pulling your Father’s trailer you have liability coverage for anything you may hit with it but the policy does not provide any type of physical damage for the trailer or what’s inside.



Thank you for the opportunity to quote your insurance …..


Tom McClaren- Agent
Chowan County NC Farm Bureau"
 
I have progressive and have been with them 7 years. I have never been asked about my tag weight...sounds like a crock of shit to me. I operate a landscaping business and have a personal policy on my work truck tagged at 16k
 
I have also been with progressive, over 15 years, handled through an agent with a private policy. Car and truck, both with full coverage, trucked tagged 26, 000, driving 45, 000 miles a year. Through out my business career (8 yrs) I have insured 5 different trucks, all duals with 26k tags and have never been questioned, nor informed them, by my agent nor progressive of my tag weight or that I use it for business. Nor I have I been questioned by leo of my insurance status, be it commercial or private.

Not to mention all 45k miles are pulled with 1 of 3 trailers putting my gvwr ,at the highest 28k, and I do not insure the trailers, agent said trailers are covered by the vehicle's policy; I'm sure if they knew it was for business they would recommend otherwise.


Noteworthy: I do not advertise as a business on the vehicle nor an address with a name of a business. Strictly word of mouth and a business card... maybe a tshirt or two. ..
-and I do carry class c cdls from previous careers.

sent from a fancy Samsung Note 2 with an illiterate operator. ..
 
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