My brother is looking to install a dump bed on his '04 F250, and, while digging around at the various forums for ideas, I came across something that might be of interest to those of you who have installed, or are considering installation of, a dump bed. BE SURE TO INFORM YOUR INSURANCE CARRIER!! From what I've uncovered so far, just about every insurance company views a dump-bed pickup as a dump truck - if you have your truck insured simply as a pickup, then add a dump bed and don't tell them, and an accident occurs, they COULD deny coverage!!

When I checked with our insurance agent, she said:
1. Yes, you DEFINITELY need to tell them.
2. If you have a standard, private-owner policy, the new one will actually cost LESS, since it'll be a commercial policy.

Better to be safe than sorry!!

This was almost as scary as finding out that my various pieces of John-Deere equipment wasn't covered under my homeowner's policy!!

 

thanks for the info R-WEST, i was going to get one and im glad i know about this.

 

Does any body now if I can add a dump bed and use my 5th wheel.

I bought a farm truck its a 94 F250 XLT 7.3 Turbo Diesel Super Cab with a manual tranny. They took off the 5th wheel but the hole is still in the bed and I would like to add a dump feature to my bed. It looks like the reinforment is still under the bed.

Does anybody have any experience with this?

 

not in New Jeresy.
a commercial policy here is almost twice the cost of a private personal passenger vehicle policy.