Are there special conditions for medium duty trucks?
Yes, there are special conditions you should be aware of before buying a medium duty truck (MDT).
Common medium duty trucks used by RVers:
- Chevrolet Kodiak
- Freightliner FL60 and FL70
- Ford F-450 through F-650
- GMC TopKick
- International 4700
The following may cause you difficulties in getting MDT insurance:
- No coverage for trucks over one ton — Some insurance companies will not issue a policy for trucks over a one ton, or weighing 10,000 lbs. or more.
- Insured as a commercial vehicle — If an insurance company does cover medium duty trucks, they may only insure them as a commercial vehicle.
This is generally not a good option for RVers because commercial insurance is more expensive and has strict mileage limits from the address of registration.
- Covered as an RV tow vehicle only — This is the most common policy offered by RV specialty insurance: the medium duty truck is fully covered as a private vehicle, but must be used mainly to tow the RV.
With these policies, the truck may not be used as an every-day vehicle for commuting, sightseeing, etc.
This type of coverage is ideal when the RVer has another vehicle for daily use, but may be too restrictive if the truck is the only vehicle.
In our experience, insurance agents and companies do not always point out this restriction—be sure to ask before buying the policy!
- Covered as a personal vehicle, with special conditions — Some insurance companies will work with you to cover a medium duty truck as a personal vehicle, if the truck's actual weight (GVW) is less than 10,000 lbs.
In these cases the insurance company may require an inspection of the truck, photos, and documentation to prove its weight.
If a policy is issued under these conditions, the truck can be used as an every-day vehicle.
This is how we secured insurance for our 9,500 lbs. F-550 truck through
Truck Classification and
Large RV-Towing Truck Issues.
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Understanding weights and staying within vehicle ratings is an integral part of operating an RV.
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Are you wanting to know what is the heaviest trailer you can tow with your truck?
Use our Travel Trailer Weight Calculator for the answer.
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The Learn & Research section of this web site provides general information, checklists, books, and other resources for those who are researching RV's or the RV lifestyle.
For those operating or considering large RV's, we have summarized the RV Driver's License Requirements for all fifty states.
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In the Buy, Rent, and Sell sections you will find helpful information for buyers, sellers, and renters of RV's.
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