For what reasons can my car insurer not cover my accident?

Question Details: My insurance is trying to say I was using my pickup for work purposes but it wasn't insured to be used for work. First of all, I'm not employed and do not receive a paycheck. I do help my father at his plumbing company once in a while. The issue is, I was coming from a plumbing supply house with a water heater that I purchased under his company account but I did it without permission and gave the water heater to a friend who was hard up and needed it. The insurance company is trying to say that I picked it up on behalf of the plumbing company. However, I have never used my personal luxury pickup to get plumbing supplies or do any plumbing work ever in the past. I was not getting this water heater for the plumbing company; I was getting it without permission and giving it to a friend so nothing to do with work or the plumbing company. As I said, I have been to the supply house many times in the past but never with my luxury pickup. Can they just say I was using my truck for work when I wasn't?

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