Tiny,
The form say you can't drive it to work. To me that means if I drive it to work and get into an accident, they won't cover it. Same with the school thing, what if I drive my son to school and I get in a fender bender? Oh, you were in a school so no coverage. I don't want this truck to be a daily driver by any means, but geez I would like to drive it on errands and to work.

Did you sign that form? Have you had any claims with them?