I am undergoing all of these challenges as well.
Once they see photos they deny my bus conversion.
What if I don't mention the conversion and just say I have a retired school bus that needs non-commercial basic liability insurance? It seems like you have to give certain information and not give certain information to interact with this system.
I like the idea by Bansil:
"1) you can pay a 1 yr "fine/fee" of $500 for a non-insured motorist, you will still be liable, but you can get it home"
I am looking to take some trips a few times a year, but for the most part this is my home parked on land.
HELP me keep this simple community. This feels maddening!