Appraiser?

[niles500]

If you file a claim with the deceased's insurance company it should not be subject to the ACV limits of your policy -FWIW

[B_K]

Richard also when dealing with your coach remember it's an ANTIQUE MOTORCOACH not an OLD BUS!

People always like to just assume these old coaches are just old buses, which indicates lower value.
Anytime someone refers to it as an "OLD BUS" politely correct them "it's an ANTIQUE MOTORCOACH not an OLD BUS!"
  BK   

[Branderson]

I'm curious on how this ends.  It was difficult for me to get insurance over a year ago.  It was explained to me that in order to get full coverage, I would need to get it appraised and that is a result of increasing issues with bus accidents, fires, etc and that the actual value is hard to calculate b/c of the year of the vehicle.  I ended up getting minimum coverage which scares me.  I think if we ever go full timing, then I must get it appraised and get full coverage.

[akroyaleagle]

I along with some others have been a member of this board since Mike K asked some of us to sit in on a discussion about how to do it in Laughlin 20 or so years ago. It originated some months later and painfully advanced to where it is today. (Much Better) The fact that it survives is due to the ability to exchange correct information and minimize friction. I would not be here if it didn't. I appreciate the civil discussions that occur here. There is little many of us haven't seen before many times. This discussion is one of the many.

Each of us do things "our way" based on various personal influences and experiences we choose to admire in others.

There have been many folks here that have gotten me to wherever I am today with my coach. Some are no longer here. Some are. We each know who "they" are, to us.  Anything I may contribute to is not to convince others to do it in a particular way but to present to the newer folks in this "madness" of ours some information to assist them in making decisions that they feel comfortable with. I am not trying to change minds, only providing information.

It is your coach, do it your way. There is no wrong way in my book. There are things that are illegal. I am not in law enforcement. That is not my field of interest. I may feel a bit of verifiable advice may be in order. There are ways that raise my eyebrows and prick my ears. I make no attempt to get others to do it my way. That's my way based on whatever influenced me to do it like that.

I think, (read "my" opinion), is that each should consider the available input and correlate That with their degree of personal "warm, fuzzy feeling" and proceed accordingly. If you are not personally comfortable with your insurance, you must do whatever it takes to make you comfortable. The risk is yours as long as you meet the minimum requirements where the coach is licensed.

Clifford,

I cannot recall any instance in my life where I had to pay for an estimate, the insurance company did not reimburse me. I did not ask for the estimate, they did. Sometimes two estimates.

Anytime someone refers to it as an "OLD BUS" politely correct them "it's an ANTIQUE MOTORCOACH not an OLD BUS!"

B_K,

You have seen me cite that for many years. WE DO NOT OWN A BUS! WE OWN A MOTORHOME RV! Never allow the word bus in your vocabulary, except in reference to where there may be a connection of several wires. 

If you file a claim with the deceased's insurance company it should not be subject to the ACV limits of your policy -FWIW

Niles 500,

I agree! We must not let our interests be bullied. How far we go with depends on each of us.

Windtrader,

Good advice! It may be acceptable that someone experienced with collision repair of RVs may be able to help. Anyone in the bus or RV industry. Remember, you want the value to you based on it's RV value, not it's bus value. Someone was correct that if you are seeking antique value, you might contact the vintage bus collectors associations or museums.

Blah, Blah, Blah! Just my humble opinion!

[windtrader]

One buys insurance as an alternative to self insuring. If you can replace the wrecked vehicle or live with dents, from your assets, then self insuring is an option.

Remember, insurance is a for profit business so those premiums include profits to them.
I've carried liability only for many years now. Fortunately I've always sorted out any damage myself, most self inflicted.

However with the bus l took full coverage since a nice set of extra services comes with it. It was about 200 more and made the extras a great deal to me. Oh, as well as covering the coach, almost forgot. But the bus is different and it seems the premiums are quite low for the amount of coverage, the underwriters probably use low usage variables in the calculations.