Insurance Limbo

I'm sure no one out there wants to read an endless supply of blog posts about a moving truck, so I'll start out with some cute pictures of Scott, and then I'll slip in the moving truck updates. Today we pulled out this pair of denim overalls for the first time and the results were so adorable, we were obliged to take pictures.

Part of the day was spent ogling our cute baby, but a larger portion was dedicated to automobile insurance woes. The day I picked up the truck in Toronto, I called my insurance company (CAA) and asked them to add it to our policy. They took down the information, but they couldn't find a match for the truck in their system. They said they'd have manually calculate the rate and they'd call me back, but I'd be covered in the meantime. With that, I drove back to Ottawa.

Today I got a call from them saying that this truck is considered a commercial vehicle, so they are unable to insure it. They referred me to the CAA insurance brokers to find a company who could insure the truck. The brokers told me that I could not get insurance on a commercial vehicle unless I had my own company and I was insuring the vehicle for company use. Basically, they told me that I'm stuck. This totally doesn't make any sense. Sure it's a big truck (a Ford F-450), but it's not THAT big.

I tried calling all around to get second opinions from other insurance companies, but it was too late in the day and nobody with any authority to say anything was still around to answer my questions. At first I was freaked out that I might have an uninsurable vehicle on my hands, but I think instead I just have an incompetent insurance company on my hands. We'll see what tomorrow brings.

In the meantime, we still have cute baby pictures to look at.