My insurance co. sent me a letter saying they need pics of my v30,or they will drop it from my policy. They believe it's a commercial truck, and should be on a commercial account. Can't a man have a 1 ton 4x4 DRW flatbed for personal use? And their other gripe is that it has a plow. Well i got a 600' driveway. It's a parts hauling, boat towing, Quad toating, driveway plowing, truck. Whats the deal? I never had a claim, so didn't they made enough $ from me. It will go From $125.00 a year to $450. I gotta go freeze my a$$ off now and get some pics.