Thwarted by Insurance

[DominicM]

I was suggested to

https://www.aisinsurance.com/products/recreational-vehicle/bus-conversion.aspx#t2 they insure both conversion and conversion in process buses.


After I tried the same route with progressive.   AIS was willing to insure me for a not so nominal fee. With further persistence I contacted a affiliate of Progressive---American Choice 855-758-3385 and  --RV Insu   866-417-1639.  
American Choice said sorry there is nothing we can do, RV Insurance said heck you we will insure you through PROGRESSIVE Hawaii.    It took careful review of my title to notice that someone registered it as an MCA rather than MCI.  MH is the Model.

As previously mentioned the words bus, conversion, couch all seemed to be RED FLAGS.  

[eb99603]

Yes I've tried GMAC (National General), AIS, Good Sam, All State, State Farm, Geico, Travelers, Liberty Mutual, Foremost, Safeco, USAA, Umialik, Nationwide, and on and on and on.

Yes it's titled as an RV (though, since titling it, a bunch of the RV features have been removed). I've tried RV policies. I've tried bus policies. Short of creating a business in the state, registering the vehicle to it (as a bus), and getting a commercial policy I'm out of luck. And I'm not sure what, if any, extra requirements come with that. Presumably though, I'd at minimum need a Class B license to drive it since it'd be a bus not a motorhome, as far as the state and the insurance companies are concerned. I presume DOT inspections would also be in order.

[eb99603]

AISINSURANCE.COM
(888) 772-4247

ps. 99654

I'll try again. Got nothin to lose.

Oh, and hi "neighbor".

[eagle19952]

I'll try again. Got nothin to lose.

Oh, and hi "neighbor".

Currently in the Lower 48.
In-fact my bus will probably never see AK again.

[richard5933]

Yes I've tried GMAC (National General), AIS, Good Sam, All State, State Farm, Geico, Travelers, Liberty Mutual, Foremost, Safeco, USAA, Umialik, Nationwide, and on and on and on.

Yes it's titled as an RV (though, since titling it, a bunch of the RV features have been removed). I've tried RV policies. I've tried bus policies. Short of creating a business in the state, registering the vehicle to it (as a bus), and getting a commercial policy I'm out of luck. And I'm not sure what, if any, extra requirements come with that. Presumably though, I'd at minimum need a Class B license to drive it since it'd be a bus not a motorhome, as far as the state and the insurance companies are concerned. I presume DOT inspections would also be in order.

There are people that register their motor homes in states like Montana through an LLC. I know nothing about it, but it seems to be done all the time. Businesses are allowed to own motor homes, and unless it's being used for commercial purposes I don't believe you need any special license - from my reading registration status and license requirements are determined by use, not ownership. If ownership were the determination, then everyone that drives a company car would need a commercial license since the corporation owns the car.

Another thought is to contact FMCA and see what the insurance they offer has in your area. It may be worth joining FMCA if it means getting insurance.

[eb99603]

Good point on ownership vs use.

I'll reach out to FMCA.

[Branderson]

I've leaned on every agent I've spoken to and consumed copious amounts of time from folks who ultimately never got my business because they either were unable, or unwilling to take my money. I've even spoken to the state Division of Insurance, who told me that the Assigned Risk Pool is my only option if no private insurer will voluntarily insure me.

@Branderson - USAA does not insure RVs anymore, and they do not insure commercial vehicles for personal use. They send me along to Progressive and Progressive only. As stated, Progressive positively will not insure me. I've spent literally months arguing with them about it.

Do u mind if I call who im thru bc that literally is opposite of what i have

[luvrbus]

I have friend in Ketchikan Ak that has State Farm on his GMC come to think of it he AZ plates now

[Geoff]

Even though I have a nice conversion I have never tried to get full coverage just liability.  I don't want to get into that den of snakes.  I've had Progressive forever but heard they don't take on self conversions anymore. 

[luvrbus]

Seated buses are easy to get coverage on (here in AZ they are) you may try that route till you can find a carrier

[windtrader]

Remember insurance is regulated at the state level and each carrier has to abide by the laws of the states it does business in. Progressive covers converted coaches in CA. Just got a renewal and wow, a DROP in premiums! Moved and new address has more favorable ratings. Surely, there are carriers in your state, so even if someone posts about a given carrier, do pursue it as your state may write coverage.

[eagle19952]

Remember insurance is regulated at the state level and each carrier has to abide by the laws of the states it does business in. Progressive covers converted coaches in CA. Just got a renewal and wow, a DROP in premiums! Moved and new address has more favorable ratings. Surely, there are carriers in your state, so even if someone posts about a given carrier, do pursue it as your state may write coverage.

My house/home is in Alaska. The one i live/lived in.
My carrier dropped me like a bomb (years ago) When i asked why...they dropped everyone in the state at renewel
reason...hurricane Andrew, in Florida.. go figure.

[windtrader]

Insurance is a risk management business. It is all about calculating risk. Who knows but maybe it's an adjustment to a more risk-off approach in the portfolio and felt an earthquake or some other risk event in Alaska was too much to keep.

[DoubleEagle]

I agree, but I would say it is a profit management business that considers risks to their profits. Providing financial protection to the insured is collateral damage (as they used to say in Vietnam). 

[luvrbus]

I agree, but I would say it is a profit management business that considers risks to their profits. Providing financial protection to the insured is collateral damage (as they used to say in Vietnam). 

LOL my Homeowners was under $ 500.00 for years,now it almost 3k.I ask why they tell me because of the forest fires in California destroying home.I gave my agent the registered bull look at a bastard calf and ask her what the hell does living in the AZ desert have anything to do with forest fires in CA she never answered me