A pickup is an amazing tool. It provides for transportation of passengers and cargo. We can tow trailers with a pickup truck. We can put canopies, shells, and campers on it. A pickup truck can be used to haul trash to the dump and get a load of firewood or bark dust. If you own a pickup you become the best friend of the neighborhood. Your family is always calling you to come over and help pull out a stump, pick up some furniture, or help move an entire household. We use our pickups for commuting, camping, and just plain fun four wheeling. Lots of personal uses for the pickup and most of those driving activities are covered on a personal auto policy if they are a one ton or less.

What happens if you use your pickup and get paid for driving it? Say you are self-employed and drive your truck around to different job sites all day? Are you covered under a personal auto policy? Maybe not.