Reply
 
Thread Tools Display Modes
 
Old 03-07-2019, 05:03 PM   #71
Skoolie
 
HappyInTN's Avatar
 
Join Date: Feb 2018
Location: Chattanooga, TN
Posts: 203
Year: 2000
Coachwork: Amtran
Chassis: Genesis
Engine: DT466
Rated Cap: 84lug
Quote:
Originally Posted by 05FrieghtlinerThomas View Post
what kind of insurance denials have tou experienced?
Whenever the vehicle is not as described the insurer can deny a payout. Even if it were simply a truck but highly customized or equipped... the insurance company could deny a claim based just on that. I legit policy for that bus (an RV policy written at stated value) is the safest option and would likely not cost you much more if any from what you are currently paying.
Keep in mind even a best case policy like I mentioned above has some gray area in it.. with a diy skoolie the best you can do is keep the risks of non pay out to a very minimum.
__________________
Serenity Bus Project - Our website/blog & Youtube www.serenitybusproject.com
https://www.youtube.com/channel/UCcH4RThGB-Hw9fUirF836rQ
I write Skoolie insurance policies in TN/GA now AL & MS also!https://www.skoolie.net/forums/f18/i-can-get-your-skoolie-insured-in-tn-ga-22233.html
HappyInTN is offline   Reply With Quote
Old 03-07-2019, 07:06 PM   #72
Bus Geek
 
o1marc's Avatar
 
Join Date: Dec 2017
Location: Dawsonville, Ga.
Posts: 6,783
Year: 1999
Coachwork: Genesis
Chassis: International
Engine: DT466/3060
Rated Cap: 77
Quote:
Originally Posted by HappyInTN View Post
Whenever the vehicle is not as described the insurer can deny a payout. Even if it were simply a truck but highly customized or equipped... the insurance company could deny a claim based just on that. I legit policy for that bus (an RV policy written at stated value) is the safest option and would likely not cost you much more if any from what you are currently paying.
Keep in mind even a best case policy like I mentioned above has some gray area in it.. with a diy skoolie the best you can do is keep the risks of non pay out to a very minimum.
This is my concern when I hear people say " I just went in DMV, told them it was an RV now,( even though the seats are still in and it's a school bus), and they issue me title and registration as an RV". I'd be real concerned when the insurance company checks out your claim and find the vehicle is not as described.
o1marc is offline   Reply With Quote
Old 03-13-2019, 08:19 AM   #73
Skoolie
 
HappyInTN's Avatar
 
Join Date: Feb 2018
Location: Chattanooga, TN
Posts: 203
Year: 2000
Coachwork: Amtran
Chassis: Genesis
Engine: DT466
Rated Cap: 84lug
Quote:
Originally Posted by o1marc View Post
This is my concern when I hear people say " I just went in DMV, told them it was an RV now,( even though the seats are still in and it's a school bus), and they issue me title and registration as an RV". I'd be real concerned when the insurance company checks out your claim and find the vehicle is not as described.

Agreed. When the DMV does register it as an RV, however, that is a legally endorsed document that WILL hold up in court. The insurance company may not like it and may drop the policy if they feel they didn't fully understand what they had signed up for, but it will pay out. I can't speak for all insurance companies that would write a bus as an RV, but my company is knowingly aware and fine with bus conversions in TN/GA.

The limitation in states is due to the restrictions of the state insurance commission in each state. Many states have much much tougher restrictions for such policies and that's why most insurers decide that in those states writing skoolie policies isn't worth it to the company to offer. Fortunately in TN/Ga and I believe TX, its a worthwhile line of business to a few extra companies to take on. Sadly, most of the companies that write skoolie policies want pictures showing completion or near completion on the conversion. Liberty, thankfully for me/us does not ask for proof... nor do they ask any questions about the current state of progress.
__________________
Serenity Bus Project - Our website/blog & Youtube www.serenitybusproject.com
https://www.youtube.com/channel/UCcH4RThGB-Hw9fUirF836rQ
I write Skoolie insurance policies in TN/GA now AL & MS also!https://www.skoolie.net/forums/f18/i-can-get-your-skoolie-insured-in-tn-ga-22233.html
HappyInTN is offline   Reply With Quote
Old 03-13-2019, 10:56 AM   #74
Bus Geek
 
o1marc's Avatar
 
Join Date: Dec 2017
Location: Dawsonville, Ga.
Posts: 6,783
Year: 1999
Coachwork: Genesis
Chassis: International
Engine: DT466/3060
Rated Cap: 77
Quote:
Originally Posted by HappyInTN View Post
Agreed. When the DMV does register it as an RV, however, that is a legally endorsed document that WILL hold up in court. The insurance company may not like it and may drop the policy if they feel they didn't fully understand what they had signed up for, but it will pay out. I can't speak for all insurance companies that would write a bus as an RV, but my company is knowingly aware and fine with bus conversions in TN/GA.

The limitation in states is due to the restrictions of the state insurance commission in each state. Many states have much much tougher restrictions for such policies and that's why most insurers decide that in those states writing skoolie policies isn't worth it to the company to offer. Fortunately in TN/Ga and I believe TX, its a worthwhile line of business to a few extra companies to take on. Sadly, most of the companies that write skoolie policies want pictures showing completion or near completion on the conversion. Liberty, thankfully for me/us does not ask for proof... nor do they ask any questions about the current state of progress.
I don't find it sad at all that they require pics so everyone is on the same page when it comes time to file a claim. My concern is DMV making changes to paperwork incorrectly stating what it is, insurance should turn you down if the paperwork does not match the vehicle requirements.
o1marc is offline   Reply With Quote
Old 03-13-2019, 03:55 PM   #75
Bus Geek
 
EastCoastCB's Avatar
 
Join Date: Sep 2014
Location: Eustis FLORIDA
Posts: 17,997
Year: 1999
Coachwork: Thomas
Chassis: Freighliner FS65
Engine: Cat 3126
Rated Cap: 15
Quote:
Originally Posted by o1marc View Post
I don't find it sad at all that they require pics so everyone is on the same page when it comes time to file a claim. My concern is DMV making changes to paperwork incorrectly stating what it is, insurance should turn you down if the paperwork does not match the vehicle requirements.
I had a problem because my bus was parked in my own yard. City has a "no buses at all on private property" ordinance. Motorhomes are allowed.
I called my insurance co and told them my problem. City won't let me park it in town if the title says "BU". Insurance said its totally fine to change title to MH.
Its your stated purpose that determines what your insurance thinks.
This was with Progressive, in Florida, and done through a brick and mortar insurance agent's office. YMMV.
__________________
.
Roll Your Own Build Thread
EastCoastCB is offline   Reply With Quote
Old 03-14-2019, 10:36 AM   #76
Bus Geek
 
Join Date: May 2016
Location: Eastern WA
Posts: 4,541
Year: 2002
Coachwork: Bluebird
Chassis: All American RE (A3RE)
Engine: Cummins ISC (8.3)
Rated Cap: 72
Quote:
Originally Posted by EastCoastCB View Post
. Insurance said its totally fine to change title to MH.
Its your stated purpose that determines what your insurance thinks.
Imagine that.....,
PNW_Steve is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


» Featured Campgrounds

Reviews provided by

Powered by vBadvanced CMPS v3.2.3

All times are GMT -5. The time now is 05:59 AM.


Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2019, vBulletin Solutions, Inc.