I have no truck, because it was stolen and totaled. The insurance actually handled that part remarkably well.
However, the weird mish-mash of particular insurance company constraints, rental company constraints, and weirdness of the world are making it way more awkward than it ought to be to get through the final furlong of the garage project; excavating for the paver driveway.
I went to rent a dump truck, and I can't rent anything over 12,000 lb GVWR unless it's a moving van.
I found a dump truck that's literally an F-350 with a dump bed. No, no commercial vehicles, which a dump truck is regardless of what it, well, is.
I fell back to renting a pickup and a dump trailer; a more expensive, awkward, and dangerous arrangement than a small dump truck, but my insurance will cover a rental pickup as a passenger vehicle, and liability on any trailer.
But there are no 3/4 or 1-ton pickups available from local rental places because they're all being used in firefighting around here. Except one place. Which does rent equipment to homeowners/individuals. But not pickups; those they only rent to commercial accounts. They seemed strangely confused when I no longer wanted to rent a dump trailer after they declined to rent anything to pull it with.
So I'm renting a 1/2-ton pickup from U-Haul, and a small dump trailer that will mean twice as many trips but fits the 6k lb limit of the truck.
I initially put under "silver linings" that if they'd waited a week to steal my truck, I'd probably have wasted $700 on tires. Now I'm starting to think it would've been worth it if only they'd waited 'til after this job... Or alternatively, I wish I wasn't racing the weather, or I'd just put this off 'til I could find the right van.
I entertained the idea of living with no truck or van at all for about a week. I may be spoiled, but it just seems like as soon as you don't have one, you need one.