Reply
 
Thread Tools Display Modes
 
Old 03-10-2017, 10:24 AM   #1
New Member
 
Veracozy's Avatar
 
Join Date: Mar 2017
Location: Flint, MI
Posts: 5
Year: 1991
Coachwork: International
Insuring Conversion in Michigan

Anyone else from Michigan and have difficulty with insurance?

We thought we had a plan worked out that our agent had found for us, but she called us about a week later saying they were going to have to cancel it due to it being a bus conversion (the title was changed and its registered as a motorhome, its when they run the vin number I think that they encounter the issue).

We ended up using another agent who went through a dozen or more places and found roughly the same problem. Things would seem to be ok, we would get a dollar amount and what the policy would cover, then when she would go to submit all our information for one reason or another they refuse to insure it.

So right now our rig is uninsured which is obviously unacceptable and we're sorta stuck until we get this figured out. Apparently the insurance agents around my area haven't dealt with this sorta thing enough to know how to handle it, so I was wondering if any other Michiganders had any advice. Thanks in advance!
__________________
Sincerely,
Veracozy Crew
www.veracozy.com
Veracozy is offline   Reply With Quote
Old 03-10-2017, 10:56 AM   #2
Skoolie
 
Join Date: Apr 2010
Location: Birch run mi
Posts: 165
Year: 1998
Chassis: TC 2000 bluebird
Engine: 5.9 cummins
Rated Cap: 66
I will be getting insurance for our conversion here in Birch Run, MI. in a month or so. If you figure yours out i would appreciate hearing where you went for it. I'll let you know what we figure out too,

Bill
miltruckman is offline   Reply With Quote
Old 03-10-2017, 11:02 AM   #3
Bus Geek
 
EastCoastCB's Avatar
 
Join Date: Sep 2014
Location: Eustis FLORIDA
Posts: 13,818
Year: 2004
Coachwork: IC
Chassis: CE300
Engine: DT466E
Rated Cap: 32
THis is why I'm more than hesitant to re-title my buses.

Can you change the title back to bus?
Then you could probably just get a commercial policy for private use.
__________________
.
Roll Your Own Build Thread
EastCoastCB is offline   Reply With Quote
Old 03-10-2017, 11:11 AM   #4
Bus Geek
 
Join Date: May 2009
Location: Columbus Ohio
Posts: 9,123
Year: 1991
Coachwork: Carpenter
Chassis: International S3800
Engine: DT360
Rated Cap: 7 Row Handicap
they can be titled back to busses but in many states that means CDL required to drive it...

in my case DEV is over 26k GVWR so in ohio id have to have a CDL even for personal use of driving it.. with a medical cert on file if I want to drive it out of the state...

in ohio a DOT number isnt required because it isnt driven for commerce.. but the CDL would be unless the title / Reg is a motorhome.

RedByrd on the other hand is easy and is still a bus and legally driven without CDL because it is 17,500 and is set up to seat 14.. so its simply like a club-wagon van..

I like to think its a Federal mandate for anything over 26k to require a CDL of some sort..

-Christopher
cadillackid is offline   Reply With Quote
Old 03-10-2017, 01:00 PM   #5
Skoolie
 
Join Date: Apr 2010
Location: Birch run mi
Posts: 165
Year: 1998
Chassis: TC 2000 bluebird
Engine: 5.9 cummins
Rated Cap: 66
And i was wondering how it works for most people. I have been putting off getting the insurance as the conversion is not done yet. And I imagine the insurance company will want to come out and take photos. I am still working on the wiring, and the appliances are not in yet. (Many of the wiring terminations are behind the appliances.) so I was hoping to get it to where it looks mostly finished.
miltruckman is offline   Reply With Quote
Old 03-10-2017, 01:08 PM   #6
Bus Crazy
 
roach711's Avatar
 
Join Date: May 2010
Location: Farmington Hills, Mi (Detroit area)
Posts: 1,669
Year: 2000
Coachwork: Eldorado Aerotech 24'
Chassis: Ford E-450 Cutaway Bus
Engine: 7.3L Powerstroke
Rated Cap: 19
I insured mine through National General online. Liability only runs us about $520/year for our 2000 shuttle bus. They didn't want to see pictures and it's listed as a conversion. The online price was a bit cheaper than calling Nat Gen direct.
__________________
The Roach Motel
roach711 is offline   Reply With Quote
Old 03-29-2017, 10:05 PM   #7
Skoolie
 
Join Date: Apr 2010
Location: Birch run mi
Posts: 165
Year: 1998
Chassis: TC 2000 bluebird
Engine: 5.9 cummins
Rated Cap: 66
Did you ever find an insurance carrier?

Bill
Birch Run, MI
miltruckman is offline   Reply With Quote
Old 06-10-2017, 07:07 AM   #8
New Member
 
Join Date: Jun 2017
Posts: 2
Nobody's insuring my bus

I'm in Michigan and no one will insure my newly purchased bus. Progressive =NO, AIS=NO, National General=NO, The General=No, Meemic=NO, Farm Bureau=NO,several others=NO. Ive called farmers that have busses and asked who they use buy they both hung up on me. Has anyone obtained insurance for their new bus within the last 3 months in Michigan? I need insurance to obtain plates. Please help. If I'm not able to insure it then it's for sale.
TonyLow is offline   Reply With Quote
Old 06-10-2017, 03:26 PM   #9
Bus Geek
 
Join Date: May 2009
Location: Columbus Ohio
Posts: 9,123
Year: 1991
Coachwork: Carpenter
Chassis: International S3800
Engine: DT360
Rated Cap: 7 Row Handicap
Quote:
Originally Posted by TonyLow View Post
I'm in Michigan and no one will insure my newly purchased bus. Progressive =NO, AIS=NO, National General=NO, The General=No, Meemic=NO, Farm Bureau=NO,several others=NO. Ive called farmers that have busses and asked who they use buy they both hung up on me. Has anyone obtained insurance for their new bus within the last 3 months in Michigan? I need insurance to obtain plates. Please help. If I'm not able to insure it then it's for sale.
did you CALL progressive COMMERCIAL? Not consumer and not online.. you are looking for commercial vehicle for private use. and 'YES its Staying a BUS' is all they have to know. keep that while converting, then gert RV insurrance once your bus is built

-Christopher
cadillackid is offline   Reply With Quote
Old 06-10-2017, 04:24 PM   #10
New Member
 
Join Date: Jun 2017
Posts: 2
Christopher, your a genius! They
asked a lot of a very detailed questions. I had to take a couple deep breaths, but in the end they gave me a commercial policy.

Sent from my SM-G930R6 using Tapatalk
TonyLow 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 06:39 PM.


Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2018, vBulletin Solutions, Inc.