This exactly.
Also, cops are always on the lookout for overloaded tows/hauls.
Another thing - the truck may cost $100k, but what are you towing? You might be towing a 250k boat. Guess what - the boat is insured under your auto insurance when towing, so that wouldn't be covered either!! The boat only goes back to your marine insurance when it's on its trailer detached from the truck, or it's in the water