Whether you must get commercial coverage or can use personal coverage depends on your state laws. Texas just changed the law to allow personal coverage on vehicles up to 25,000 GVW. Previously anything over 10,000 had to have commercial coverage.

"It's just a phase. He'll grow out of it." Mama, 1964

1956 Chevy 1/2-ton 3100
1953 Chevy 6100 "The Yard dog"
1954 GMC Suburban Now with a new proud owner.