I am retired, but I work part-time as a handyman. Do I need special insurance coverage for my truck, which I use when I'm hired to make repairs?

Unless you are driving passengers around frequently, a personal auto policy may be all you need. A commercial policy may serve an independent contractor—such as a carpenter or landscaper—well if the vehicle is used for business purposes more than half the time. Keep in mind that your personal auto policy must have increased limits to cover equipment that is permanently attached to your vehicle.