I have done extensive research on this matter in the past. When I first purchased my 1958 FWD Pumper, because it had a GVWR of 28,500 I was told I would need a CDL, however the actual weight of the vehicle is only 16,700 on a heavy day. Even filled with 500 gallons of water and a full load of hose it still does not even come close to breaking the 26,001 threshold for a CDL. The Pa Vehicle Code is of course as clear as mud, so I contacted The Pa. State Police (Motor Carrier Enforcement Trooper in Charge) at the Dublin (Bucks County) Barracks for clarification. I started asking GVWR versus actual weight questions and was met with silence from the other end of the phone. When I started asking the need for a CDL when driving a truck registered and insured as an antique that weighed <26,001 pounds I could hear the Trooper scratching his head in the awkward silence. He finally said "Yeah you would need a CDL regardless." So then I said "So all these people driving these super tour-bus sized motor homes need CDL's?" And he didn't know WHAT to say......So he gave me the number of someone at State Police HQ in Harrisburg. I called out there and basically got the same run-around- no one knew what the hell to tell me. So they finally passed the buck and told me to call someone at PENNDOT and gave me a name and a number. So I called there 3-4 times and IF THEY ANSWERED I got "I'll have to look that up and get back to you." Well of course no one called me back, so finally I contacted my elected official (Rep Charlie Dent) and spoke with one of his staffers. About a week later I got a phone call from someone at the PENNDOT's Commissioner's Office who spoke with me for about 45 minutes. In a nutshell: -The operator of any vehicle weighing in excess of 26,001 pounds that is titled, tagged, registered and insured as an antique vehicle not within commerce shall possess a minimum of a non CDL operators license with the weight class endorsement appropriate for the vehicle being operated. -I have JC Taylor Insurance. I have been with them for 3 years now and am happy. I used to be with Condon and Skelly but got upset when they switched underwriters without notice and my rates shot up big time, so I dropped them. I have a little above and beyond the State require minimum coverage and have my baby covered for $8000 loss and I pay $165 a year and am limited to 2500 miles per year (if I do 500 that was a busy year.) I cannot speak about combination vehicles however I do know a bunch of folks who were bitching about many companies refusing to insure any more combination vehicles. You also mentioned a tiller- I have a buddy who had four of them, and bought another one. He had Condon and Skelly and they refused to accept it even though he had 20+ vehicles insured with them for 15 or more years. You want to talk about pissed off!!!!????? I have 2 or 3 friends in Pa. who have tillers and if I understand correctly, as long as it is a traditional fire department attachment (permanent in nature, not normally detachable like a tractor trailer) it is considered an articulated vehicle, not a combination vehicle.