Help! I’m freaking out about insurance

[HazMatt]

It'd be worth it, local derails notwithstanding.

[o1marc]

Originally Posted by haz.matt.1960

Good advice, John.
Make it easier for our inheritors to keyword search for answers relevant to their requirements.
Can OP edit the thread's title? Dunno, I never tried, never needed to...

I don't believe Titles can be editted once posted, but you might if you do an advanced edit while you're still in the edit period.

[BusWanderer83]

Originally Posted by o1marc

I tried to add a 2nd bus to my existing Progressive Policy, they said they were no longer writing new policies for school buses.

Try calling back and speaking with someone else. I don't know why they wouldnt want your money.

[kazetsukai]

I just got temp plates for an inspection on Monday. Any recommendations here? I may/may not have it retitled next week depending on how that goes.

[HazMatt]

I didn't have to re-title my '98 in NH, so you're prolly good on that score.

Originally Posted by kazetsukai

I just got temp plates for an inspection on Monday. Any recommendations here? I may/may not have it retitled next week depending on how that goes.

Are you getting the inspxn in Salem or Manch-Vegas? I can recommend a place in Somersworth to avoid like the plague...
Edit: State Farm in Dover booted my coverage to the kerb within 2 months.

[ermracing]

Originally Posted by kazetsukai

I just got temp plates for an inspection on Monday. Any recommendations here? I may/may not have it retitled next week depending on how that goes.

Ours is insured through State Farm. Give you local agent a call. If they won't do it, our agent Mike Estrada in West Leb will be able to help.

[kazetsukai]

Originally Posted by haz.matt.1960

I didn't have to re-title my '98 in NH, so you're prolly good on that score.Are you getting the inspxn in Salem or Manch-Vegas? I can recommend a place in Somersworth to avoid like the plague...

I'm trying to retitle as a motorhome so that I may be exempt from certain commercial weight limits. Every time I talk to the state they give me different answers.



I'm getting mine done in Nashua.

[HazMatt]

I can dig it. I didn't try to change to MH designation.
The seats were out, otherwise no mods made, all I wanted was to get legal with my, now turquoise-primered, moving van!

Originally Posted by kazetsukai

I'm trying to retitle as a motorhome so that I may be exempt from certain commercial weight limits. Every time I talk to the state they give me different answers.



I'm getting mine done in Nashua.

[kazetsukai]

Originally Posted by ermracing

Ours is insured through State Farm. Give you local agent a call. If they won't do it, our agent Mike Estrada in West Leb will be able to help.

Update: I reached out to a local State Farm agent, and they're referring me elsewhere as the conversion is still incomplete.

[HappyInTN]

Originally Posted by Dog Rescuer

When an insurance agent states “we no longer insure buses” - I am pretty sure they just mean that agent doesn’t want to do it - or has decided against doing it because they are having a bad day - or don’t like with whom they are talking.
The company policy may differ - agents have a bit of flexibility in who they represent. The company policy may not be clear to that agent - and many seem to like sounding like pompous know-it-alls, when they really don’t know - just assume.

I still advise to always call several different agents. If you are nice and honest, you generally will find one who will help.

That’s my two pennies worth - and I am sticking to it!

I can tell you the company has no flexablity... the agent may. I have seen it a million times, when the company says we don't write that risk and the agent decides to operate in the grey to make a buck, hoping there is never a sizable claim. The bigger the insurance company is the more black and white there underwriting is. The agents are the difference in most cases.

[john61ct]

Originally Posted by HappyInTN

I can tell you the company has no flexablity... the agent may. I have seen it a million times, when the company says we don't write that risk and the agent decides to operate in the grey to make a buck, hoping there is never a sizable claim. The bigger the insurance company is the more black and white there underwriting is. The agents are the difference in most cases.

The agent has a much higher level of motivation than the public-facing insurance company staff, the latter usually operate off computer FAQ branching scripts and cast-in-stone lowest common denominator underwriting parameters with no leeway.

Those underwriters dealing with niche-specialist agents will have and give a lot more leeway.

An agent is like a bookie, if she's got a great track record (high profits from low claims history) the underwriter will give their much more personal assessment of your unique risk profile some credibility.

If an agent thinks your rig and usage pattern etc is too high risk, it becomes very true that they "can't" get you the kind of policy you want.

Yes find another agent, but also, consider what you can do to appear more low-risk, more competent or more conventional / mainstream, when making your case.

Even completely homebuilt rigs have gotten full coverage at a high agreed value, when every step of the buildout was publicly photographed, documented and vetted in a forum.

An agent that services your state with experience with your type of rig, will be very valuable, keep looking!

Or worst case change states.

[HazMatt]

Excellent advice!
Reckon I maybe oughta get caught up on my build thread...

Originally Posted by john61ct

The agent has a much higher level of motivation than the public-facing insurance company staff, the latter usually operate off computer FAQ branching scripts and cast-in-stone lowest common denominator underwriting parameters with no leeway.

Those underwriters dealing with niche-specialist agents will have and give a lot more leeway.

An agent is like a bookie, if she's got a great track record (high profits from low claims history) the underwriter will give their much more personal assessment of your unique risk profile some credibility.

If an agent thinks your rig and usage pattern etc is too high risk, it becomes very true that they "can't" get you the kind of policy you want.

Yes find another agent, but also, consider what you can do to appear more low-risk, more competent or more conventional / mainstream, when making your case.

Even completely homebuilt rigs have gotten full coverage at a high agreed value, when every step of the buildout was publicly photographed, documented and vetted in a forum.

An agent that services your state with experience with your type of rig, will be very valuable, keep looking!

Or worst case change states.

[HappyInTN]

Originally Posted by john61ct

The agent has a much higher level of motivation than the public-facing insurance company staff, the latter usually operate off computer FAQ branching scripts and cast-in-stone lowest common denominator underwriting parameters with no leeway.

Those underwriters dealing with niche-specialist agents will have and give a lot more leeway.

An agent is like a bookie, if she's got a great track record (high profits from low claims history) the underwriter will give their much more personal assessment of your unique risk profile some credibility.

If an agent thinks your rig and usage pattern etc is too high risk, it becomes very true that they "can't" get you the kind of policy you want.

Yes find another agent, but also, consider what you can do to appear more low-risk, more competent or more conventional / mainstream, when making your case.

Even completely homebuilt rigs have gotten full coverage at a high agreed value, when every step of the buildout was publicly photographed, documented and vetted in a forum.

An agent that services your state with experience with your type of rig, will be very valuable, keep looking!

Or worst case change states.

I don't need to keep looking, I am my own agent. Not positive, but I seam to me like I'm on the level.

[HazMatt]

Are you positive?

Originally Posted by HappyInTN

I don't need to keep looking, I am my own agent. Not positive, but I seam to me like I'm on the level.

Could be you were pulling out all the stops to make a sale to yourself...

[john61ct]

Originally Posted by HappyInTN

I don't need to keep looking, I am my own agent. Not positive, but I seam to me like I'm on the level.

I quoted you to show I was confirming, extending your point. Sorry if it seemed I was addressing you specifically.

[HappyInTN]

Originally Posted by HazMatt

Are you positive?Could be you were pulling out all the stops to make a sale to yourself...

True! You never can tell... now that you mention it... red hair.... cant trust a ginger.

[HappyInTN]

Originally Posted by john61ct

I quoted you to show I was confirming, extending your point. Sorry if it seemed I was addressing you specifically.

No not at all.. trying to contribute some comedy value.

[HazMatt]

Ah! A ginger... that explains a lot!

Originally Posted by HappyInTN

True! You never can tell... now that you mention it... red hair.... cant trust a ginger.

Hang on... You say don't trust a ginger.
But you bought insurance from a ginger. Yet you advise not to trust gingers...
So therefore, by the transitive property, two negatives result in a positive, so I should explicitly trust gingers...
But if what you first said was the truth followed by a lie, given by the assumption of the first part, ie carrot-top intrinsic untrustworthiness, then the result is a negative...
Excuse my while my head quietly implodes. There's a mop in the corner...

[HappyInTN]

Overthininking is my specialty too.

[kazetsukai]

Originally Posted by ermracing

Ours is insured through State Farm. Give you local agent a call. If they won't do it, our agent Mike Estrada in West Leb will be able to help.

Anyone have any other leads in NH? I can't even find liability only until the conversion is finished, it seems. I have tags, a MH title, etc already.


Looks like State Farm will work post-conversion, I'm still another month or two away.