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Old 09-13-2012, 09:57 AM   #11
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Re: Insurance in NJ

I'm having the darndest time getting anybody to want to insure me in NJ. Since I'm moving to upstate NY anyway (kinda need a motorhome to live in for a place to stay, though), I thought I'd go with GMAC and just tell them I had a (fake) NY address. They need proof of residence, though - and so my options seem to be:

A) Get a NY drivers license
B) Get a NY bank account with address listed
C) Get a bill with a NY address.

Problem is wherever I'm staying will never have mail delivery (ie public or raw land), and PO Boxes aren't good enough - anybody from out of state can get them. So it seems like the best option is to get the drivers license in NY. I live in South Jersey right now and plan on living in upstate NY (Ithaca), so a 4 hour trip for the DMV is a bit unrealistic, especially when they're only open on weekdays. I have kids that go to school in NJ and so it's not realistic. But I may be able to drive up to Staten Island and back before the kids get out of school.

I've been trying to call the main number at NY's DMV but they are dropping the call due to high call volume, etc. So far they indicate they just need proof of identity, but it includes either a passport or original birth certificate! I'm not quite sure if they need address verification (there seemed an indication they might not), but I'll ask.
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Old 09-13-2012, 11:09 AM   #12
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Re: Insurance in NJ

If you go that route bring everything you can think of to verify identiy etc,DL,passport,gov. ID,even a debit card with your pic on it if they ask for it pull it out.
Don't drop a pile of id stuff in front of them at one time tho...might look weird.
Good luck
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Old 09-13-2012, 02:11 PM   #13
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Re: Insurance in NJ

The NY DMV seems to need that 6-point identification system - ie original birth certificate + social security + marriage certificate + bank statement (of any state), etc...

They don't ask to verify residency (thankfully), but they also won't hand out the permanent drivers license like they do (or did) in NJ. You get a temp license and they send the permanent one in the mail. They won't mail to a PO Box, but giving them an 'alternative address' (the excuse being that the property in NY does not have mail delivery), an out-of-state address (especially with bordering state NJ) seems sufficient - at least that's what they said on the phone. I can at least send it to my current house in NJ that I'm foreclosing on. I guess they just need a paper trail, for 'security' reasons. I guess I'll find out tomorrow.
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Old 09-17-2012, 12:38 PM   #14
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Re: Insurance in NJ

I'm sorry but NJ and all of its liberal regulations over the years are just the worst. I've had my skoolie for 3 years now and just TODAY switched it to Commercial Insurance. So much easier and feel much better. Just call up an insurance company like Progressive, or some others. Be honest, tell them you have a bus and it is supposed to be insured as a commercial vehicle if they tell you that isn't the case hang up and try for a different person. You insure it and register it commercially and now you can do whatever the heck you want to it. I'm going to get a new registration card and plates tomorrow. The previos two years I managed to tell companies it was a motorhome, but I was vague and felt uncomfortable doing that because you know how insurance companies are. It also isn't that expensive. Motorhome insurance is definitely cheaper, but I think Progressive was $1500 for the year, wheras motorhome is probably $800.
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Old 09-19-2012, 06:26 AM   #15
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Re: Insurance in NJ

**** if i knew we all have the same problem. Progressive insured us for about 2 weeks before cutting us off. Being vague and telling them you are a motorhome might appear to solve problems, but in the case of an accident I would guarantee you wont be covered, and they'll tell you to go **** yourselves. We have a big insurance hot shot working on the case for us and i will let you all know what comes of it when it gets figured out.
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Old 01-29-2013, 11:00 AM   #16
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Re: Insurance in NJ

Insuring as a commercial vehicle seems overkill (and maybe foolish), if you're going to be spending twice as much on the insurance.

I've tried to get insurance in New York state with GMAC, which went well, but my move to NY is taking longer than expected and so I never registered my vehicles in New York. Now they want proof from the DMV that I registered the vehicles. Which I didn't. And I don't have time to deal with that, with a 2 hour drive each way to NYS.

I apparently have until next Tuesday to get it resolved or my policy with GMAC gets canceled. Realistically either I find someone else who does skoolies in NJ, or I let go of the idea of the skoolie for a few months until I can move to NYS. My holdup is the whole job thing, I was anticipating at-home work but that's taking longer than expected.

As a warning to anyone who may register their vehicle out of state from where they really are, the insurance company will eventually (1-3 months) verify with the DMV that the vehicle is registered in the state. Registration requires inspections and a new title, which they will ONLY send in the mail. They won't hand it to you like they will your license or plates. So it needs to be an accessible address that isn't too far away.

Unfortunately, I don't know anyone with an address they're willing to share in a closer state nearby (Delaware or Pennsylvania, about 30 minutes away instead of 2 hours) where I can bother with this all.
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Old 04-22-2014, 06:24 AM   #17
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Re: Insurance in NJ

*bump*

Question for the NJ members- have you guys gotten any of your insurance woes resolved or how did you skate around the whole "school bus" issue?

Edit-

Anyone have or get a quote from AIS before?
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Old 04-22-2014, 06:29 PM   #18
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Re: Insurance in NJ

I'm in Texas,
When I first got my bus I did a title only transfer, was only 20 bucks and it just switched the title to me without registering it or switching it to an Rv, I had already run the VIN online and it did not show that it was stolen but I wanted to make sure,
You certainly want to get a full copy of the DVM and the vehicle titling manual, it is likely that the govt employees will have never done an RV conversion and may think it is not possible,
I have read in the past that progressive never does RV insurance, many will get the insurance online and it always gets cancelled in a few weeks after a person looks at it, but some have used this method to get a 2 week temp policy so they can drive it home,
I wonder if it would work for commercial insurance only to say it is an empty bus only used for storage and transporting tools and stuff, just thinking out loud here, I am also not sure if this would effect what type of drivers license you might need if pulled over and have a non commercial drivers license with a commercial insurance policy,
Be careful with driving a vehicle that is not registered/titled properly since if you get pulled over by the police they may not let you drive it away and may decide to tow it to the impound lot, it also means that even if you get insurance and get in a wreck if the insurance company finds out the vehicle is not totally legal they will cancel the policy and you will be on the hook for any damages,
If you are going to work in NY is their a way to use your employers address, just being friends with the secretary or whom ever gets the mail might work,
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Old 04-23-2014, 07:47 AM   #19
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Re: Insurance in NJ

That's why I'm asking the community *before* I get my bus, Bubb, especially us who are in the great lawsuit state of New Jersey. I'd rather have my ducks in a row before driving out to East Bumblefrack, WE to pick it up.

Has anyone checked with their local Farmers' agent about insurance? I'm going to check with mine today, and be fairly honest to him- that I'm looking for a bus, but it will be registered as an RV, and have most if not all of the seats ripped out for "tailgating".
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Old 04-25-2014, 11:49 AM   #20
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Re: Insurance in NJ

Just talked to Good Sam, $352/year for liability for NJ. Epic...
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