Pemco Washington Residence?
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Pemco Washington Residence?
Anyone from Washington State with Pemco on an F-350. They’re claiming I have to insure as commercial? Driving record is great and credit is excellent and they still want $2k a year for the commercial coverage!
Obviously I’ll be looking elsewhere... but was taken back by this.
If you didn’t see my post it’s for ‘21 F-350 SW CCLB 4x
Any feedback would be appreciated!
Obviously I’ll be looking elsewhere... but was taken back by this.
If you didn’t see my post it’s for ‘21 F-350 SW CCLB 4x
Any feedback would be appreciated!
Lead Driver
Joined: Jul 2011
Posts: 6,212
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From: Burlington, ma
If this is your first f350 check with your state registry if motor vehicles and make sure you can register it as a Passanger registration. I know some states make you registere commercial if it's over a certain weight
Fleet Mechanic
Joined: Jul 2019
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What is the GVWR of your F350? Not all F350's are created equal. If your truck is the higher weight rating you may have crossed a weight threshold for Pemco. I agree with other post that you should contact Pemco again to verify but also to get more details on why.
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My GVWR is 12,400#'s, but I wont be towing often at this point. I'll post an update on the insanity I went through...
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Update:
So after sending the DOT requirements for Sate of Washington and explaining I know multiple people that are in the state and have never been told this she responded like this:
"I’m sorry I didn’t mention in my prior email that it’s not about the usage it’s about the size of the vehicle. For a large vehicle such as yours, insurance companies see the risk as commercial, because of the damage it can do in an accident. I’m happy to discuss this with you" Guarantee this is as is now typical in Seattle a self-righteous "I'm going to save the word by telling you how to live" Seattleite interjecting her opinion vs company policy...
And I would be right... I called talked to another agent and I was quoted and he said they've never had an issue with insuring any of the light-duty trucks. He stated if it's truly for commercial or has a flat bed then they would sublet out commercial coverage.
So about ten e-mails by a so called agent that obviously has an issue with "large vehicles"
Have quote now and is $120/month for 100K/300K comp & collision.
So all is good now and thank you to those that responded!
Cheers
So after sending the DOT requirements for Sate of Washington and explaining I know multiple people that are in the state and have never been told this she responded like this:
"I’m sorry I didn’t mention in my prior email that it’s not about the usage it’s about the size of the vehicle. For a large vehicle such as yours, insurance companies see the risk as commercial, because of the damage it can do in an accident. I’m happy to discuss this with you" Guarantee this is as is now typical in Seattle a self-righteous "I'm going to save the word by telling you how to live" Seattleite interjecting her opinion vs company policy...
And I would be right... I called talked to another agent and I was quoted and he said they've never had an issue with insuring any of the light-duty trucks. He stated if it's truly for commercial or has a flat bed then they would sublet out commercial coverage.
So about ten e-mails by a so called agent that obviously has an issue with "large vehicles"
Have quote now and is $120/month for 100K/300K comp & collision.
So all is good now and thank you to those that responded!
Cheers
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Fleet Mechanic
Joined: Jul 2019
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I had I even provided the information to her. Washington is a combined weight state so anything over 16,000#'s must have a DOT tag and is then classified as commercial use: https://www.dol.wa.gov/forms/420012.pdf
My GVWR is 12,400#'s, but I wont be towing often at this point. I'll post an update on the insanity I went through...
My GVWR is 12,400#'s, but I wont be towing often at this point. I'll post an update on the insanity I went through...
Edit: Above was sent before your last post
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Yup that's how I read it. First section if you answer yes to any you have to have a DOT number, but next section if it's personal then no... Think next threshold for a CDL requirement is 26,000#'s for the state...
Senior User
Joined: Sep 2005
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I'm in Maple Valley Wa, and had issues with my 2020 F450, the registration says "commercial" talked to the state DOL three times, over the phone, and was told that any vehicle in WA that has a scale weight over 8200 lbs (maybe it was 8600, I can't remember now) is listed as a commercial vehicle, but as long as I only use it for personal use and do not go over 26K in combined load I didn't have to worry that its listed as commercial nor need a CDL. I finally gave up arguing about it and just drive the truck. I have Nationwide insurance and they didn't say anything regarding being a commercial vehicle, but I did have to argue with the Credit Union as they initially denied the loan because they "do not do auto loans on commercial vehicles". They quoted some wikipedia listing of truck classes where F450 chassis cab was listed as a commercial vehicle but the F450 pick-up was listed separately, once I pointed that out that I had purchased a pickup to them they approved the loan.
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I'm in Maple Valley Wa, and had issues with my 2020 F450, the registration says "commercial" talked to the state DOL three times, over the phone, and was told that any vehicle in WA that has a scale weight over 8200 lbs (maybe it was 8600, I can't remember now) is listed as a commercial vehicle, but as long as I only use it for personal use and do not go over 26K in combined load I didn't have to worry that its listed as commercial nor need a CDL. I finally gave up arguing about it and just drive the truck. I have Nationwide insurance and they didn't say anything regarding being a commercial vehicle, but I did have to argue with the Credit Union as they initially denied the loan because they "do not do auto loans on commercial vehicles". They quoted some wikipedia listing of truck classes where F450 chassis cab was listed as a commercial vehicle but the F450 pick-up was listed separately, once I pointed that out that I had purchased a pickup to them they approved the loan.
Good Ol' Washington
I suspect this won't be last issue with registering being my next challenge. I know in the 80's in Washington you use to have to put GVWR stickers on the truck. Think my uncle still has an '84 F-250 with the markings still on it lol...
Glad it all worked out for you!
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I'm in Maple Valley Wa, and had issues with my 2020 F450, the registration says "commercial" talked to the state DOL three times, over the phone, and was told that any vehicle in WA that has a scale weight over 8200 lbs (maybe it was 8600, I can't remember now) is listed as a commercial vehicle, but as long as I only use it for personal use and do not go over 26K in combined load I didn't have to worry that its listed as commercial nor need a CDL. I finally gave up arguing about it and just drive the truck. I have Nationwide insurance and they didn't say anything regarding being a commercial vehicle, but I did have to argue with the Credit Union as they initially denied the loan because they "do not do auto loans on commercial vehicles". They quoted some wikipedia listing of truck classes where F450 chassis cab was listed as a commercial vehicle but the F450 pick-up was listed separately, once I pointed that out that I had purchased a pickup to them they approved the loan.
That’s pretty significant as that means technically per WSP you must follow commercial speed limit signs and AWD exemption for chains going over the pass is excluded i.e. you must chain and carry.
Obvioulsy as is typical to Washington there is inconsistency. Have a friend with and F-450 and has personalized plates “Red-Neck” 😂. And you’re not suppose to be able to have personalized plates for commercial either.
Just going to drive like a pickup until it’s an issue I guess... Nice thing is my insurance only went up $47👍
Tuned
Joined: Oct 2020
Posts: 449
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Anyone from Washington State with Pemco on an F-350. They’re claiming I have to insure as commercial? Driving record is great and credit is excellent and they still want $2k a year for the commercial coverage!
Obviously I’ll be looking elsewhere... but was taken back by this.
If you didn’t see my post it’s for ‘21 F-350 SW CCLB 4x
Any feedback would be appreciated!
Obviously I’ll be looking elsewhere... but was taken back by this.
If you didn’t see my post it’s for ‘21 F-350 SW CCLB 4x
Any feedback would be appreciated!
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I even asked the dealer did I need to select the 11,900# rating for Washington and answer was no. It wasn’t like I went in blind, as I researched and asked, but obviously with information provided by WADOL it is 💩
https://www.dol.wa.gov/vehicleregist...lvehicles.html
Even when you call WADOL it took three people before I could get a straight explanation. Such are bureaucracies
I think main issue is these trucks have increased capability that the regulations haven’t kept up.