Reply
 
Thread Tools Display Modes
 
Old 05-16-2019, 02:15 PM   #1
Bus Nut
 
musigenesis's Avatar
 
Join Date: Jan 2019
Location: Philadelphia
Posts: 370
Year: 2003
Coachwork: International
Chassis: CE 300
Engine: DT466
Rated Cap: 65C-43A
More Vermont registration problems

So, I finally got my new license plates from Vermont. Now I am trying to get insurance (just commercial liability insurance and not full-on RV insurance) and I've run into a problem that I don't understand since tons of other people seem to get VT license plates.

I contacted Kelly Newsome at Allstate and according to her I can't get insurance (of any kind) for my vehicle since I do not reside in Vermont. The only option I apparently have is to get Pennsylvania insurance (since I reside in PA and my bus is titled in PA as well) and then get some sort of temporary tag from PA so that I can at least move my bus occasionally. But I don't know if this is even possible, not to mention that this would waste the $300 and the two months+ I just spent trying to get Vermont tags.

I'm very confused by this as it doesn't seem to be something that anybody doing a skoolie with the Vermont registration thing has ever run into. What am I missing here?
musigenesis is offline   Reply With Quote
Old 05-16-2019, 06:54 PM   #2
Bus Geek
 
Join Date: May 2016
Location: Eastern WA
Posts: 4,374
Year: 2002
Coachwork: Bluebird
Chassis: All American RE (A3RE)
Engine: Cummins ISC (8.3)
Rated Cap: 72
Is the bus titled/registered in VT or PA?

The insurance companies that I have dealt with are more concerned with where it is "garaged" than where it is registered.
PNW_Steve is offline   Reply With Quote
Old 05-16-2019, 07:39 PM   #3
Bus Nut
 
musigenesis's Avatar
 
Join Date: Jan 2019
Location: Philadelphia
Posts: 370
Year: 2003
Coachwork: International
Chassis: CE 300
Engine: DT466
Rated Cap: 65C-43A
Quote:
Originally Posted by PNW_Steve View Post
Is the bus titled/registered in VT or PA?

The insurance companies that I have dealt with are more concerned with where it is "garaged" than where it is registered.
Bus is titled (as BUS) in PA and registered (as MH) in VT. I had to do it this way because Vermont won't re-title a vehicle older than 15 years, and Pennsylvania will not register a vehicle as a motor home until it's completed and inspected (I could have registered it as a bus in PA, but this would have cost $850 a year and I couldn't have driven it without a CDL).

I just got a quote from State Farm for $2000 a year, which is not very fun. Fortunately it looks like I can get liability from AIS (National General) for $500, although like everything skoolie-related I'll believe it when it's in my hand.
musigenesis is offline   Reply With Quote
Old 05-16-2019, 08:03 PM   #4
Bus Geek
 
o1marc's Avatar
 
Join Date: Dec 2017
Location: Dawsonville, Ga.
Posts: 6,342
Year: 1999
Coachwork: Genesis
Chassis: International
Engine: DT466/3060
Rated Cap: 77
Quote:
Originally Posted by musigenesis View Post
Bus is titled (as BUS) in PA and registered (as MH) in VT. I had to do it this way because Vermont won't re-title a vehicle older than 15 years, and Pennsylvania will not register a vehicle as a motor home until it's completed and inspected (I could have registered it as a bus in PA, but this would have cost $850 a year and I couldn't have driven it without a CDL).

I just got a quote from State Farm for $2000 a year, which is not very fun. Fortunately it looks like I can get liability from AIS (National General) for $500, although like everything skoolie-related I'll believe it when it's in my hand.
I think you are at the point where the VT. registration is a benefit. You couldn't register your BUS in Pa. because the title and registration reflected that. But now you are wanting to register your Vt. RV. in Pa. You shouldn't need to do anything but insure it and register it in Pa. now. There is no title, does Pa. require one on a vehicle that old?
o1marc is offline   Reply With Quote
Old 05-16-2019, 08:11 PM   #5
Bus Nut
 
musigenesis's Avatar
 
Join Date: Jan 2019
Location: Philadelphia
Posts: 370
Year: 2003
Coachwork: International
Chassis: CE 300
Engine: DT466
Rated Cap: 65C-43A
Quote:
Originally Posted by o1marc View Post
I think you are at the point where the VT. registration is a benefit. You couldn't register your BUS in Pa. because the title and registration reflected that. But now you are wanting to register your Vt. RV. in Pa. You shouldn't need to do anything but insure it and register it in Pa. now. There is no title, does Pa. require one on a vehicle that old?
Ah, I probably titled this post wrong, sorry. My actual Vermont registration has come through and all is copacetic on that front. My current problem is getting insurance for this period where I have not yet completed the conversion (once it's completed I'll be able to have it registered in PA as a MH and then I'll be able to get normal RV insurance).

I do have the bus titled in PA now, in my name.
musigenesis is offline   Reply With Quote
Old 05-16-2019, 08:13 PM   #6
Bus Geek
 
o1marc's Avatar
 
Join Date: Dec 2017
Location: Dawsonville, Ga.
Posts: 6,342
Year: 1999
Coachwork: Genesis
Chassis: International
Engine: DT466/3060
Rated Cap: 77
Quote:
Originally Posted by musigenesis View Post
Ah, I probably titled this post wrong, sorry. My actual Vermont registration has come through and all is copacetic on that front. My current problem is getting insurance for this period where I have not yet completed the conversion (once it's completed I'll be able to have it registered in PA as a MH and then I'll be able to get normal RV insurance).

I do have the bus titled in PA now, in my name.
Can you not transfer your RV registration to your current address in Pa. and then insure it as a MH/RV? What am I missing
o1marc is offline   Reply With Quote
Old 05-16-2019, 08:28 PM   #7
Bus Nut
 
musigenesis's Avatar
 
Join Date: Jan 2019
Location: Philadelphia
Posts: 370
Year: 2003
Coachwork: International
Chassis: CE 300
Engine: DT466
Rated Cap: 65C-43A
Quote:
Originally Posted by o1marc View Post
Can you not transfer your RV registration to your current address in Pa. and then insure it as a MH/RV? What am I missing
PA won't just do the registration-transfer thing. Even in that scenario, they require an inspection to prove that it has been actually converted to an RV.

The core of my problem is finding a way to be able to drive the bus legally before I have finished converting it.
musigenesis is offline   Reply With Quote
Old 05-16-2019, 09:01 PM   #8
Skoolie
 
Join Date: Feb 2019
Location: New Hampshire
Posts: 236
Year: 1990
Coachwork: Thomas 4 window w/lift
Chassis: G30
Engine: 350 Chevy
Rated Cap: 10K
Not sure why playing the system would be easy and problem free.
I'd think it'd be easier to register in the state one lives in or holds their driver license in.
The headaches one experiences in trying to beat the system would drive me nuts!
peteg59 is offline   Reply With Quote
Old 05-16-2019, 09:20 PM   #9
Bus Nut
 
musigenesis's Avatar
 
Join Date: Jan 2019
Location: Philadelphia
Posts: 370
Year: 2003
Coachwork: International
Chassis: CE 300
Engine: DT466
Rated Cap: 65C-43A
Quote:
I'd think it'd be easier to register in the state one lives in or holds their driver license in.
This might be true in states other than Pennsylvania.

Quote:
The headaches one experiences in trying to beat the system would drive me nuts!
I'm under the impression that what I'm doing is entirely legal - and in fact everything I'm doing is so that I can drive my bus legally, so I'm not sure why you're determined to characterize it as "playing the system" and "beating the system".
musigenesis is offline   Reply With Quote
Old 05-16-2019, 09:57 PM   #10
Bus Nut
 
Join Date: Nov 2016
Posts: 681
Playing by the rules staying within certain states would simply mean giving up on what this forum is all about.

Our founders intentionally designed a radical setup where you can shop jurisdictions. Nothing illegal about it, what freedom's all about!
john61ct 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 11:37 PM.


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