Never in your dreams say "Yes I do" to an insurance agent who asks you non-chalantly if you carry a "tool box" in your vehicle, you will get screwed 3-way-through sunday. My uncle made the mistake of saying this to an insurance agent and he was put into the "commercial vehicle" category and to pay like 180% more than normal on his vehicle which WASN'T even a pick-up truck. After a brief drawback and explanation from my uncle to the agent that his tool box was just a hand-held tool box he uses for changing tires and changing headlights the agent wouldn't budge. My uncle hanged up on him and in the next days called up other insurance brokers and guess what? They all had in their computer notes that he was a 'commercial vehicle' customer. It took a pain-in-the-arse to get this fixed.
So insurance companies share a common data base eh?
So insurance companies share a common data base eh?