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Old 11-06-2015, 12:45 AM   #151
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Originally Posted by nat_ster View Post
And this is why I try to get people to stop just slapping crap together.

Nat
The idea of a $5000 40' motor home is too appealing to too many people. You know how many times you have burst peoples bubble about that. How many of them say I'll show them and go and do it anyways.

Also how many times do we see something an RV factory did and say WHAT, then we do something better only to be scolded for not doing it to RVIA standards. I just want to say I know I have done it to a higher level than their standards. Of course that just gives the insurance company to not pay out.

I am beginning to believe that the only option is to track down anybody who will give me liability only and accept that they will probably not pay out in an accident or convert a motor coach not a skoolie. Because you can get insurance on a 1960 gm 4106 but you can't on a 1999 IC RE, I seriously doubt that a 50 year old bus converted in the 80's is in a better level of road worthiness than a bus that got pulled from service last year.
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Old 11-06-2015, 06:43 AM   #152
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Originally Posted by CaptainInsaneo View Post

I am beginning to believe that the only option is to track down anybody who will give me liability only and accept that they will probably not pay out in an accident or convert a motor coach not a skoolie. Because you can get insurance on a 1960 gm 4106 but you can't on a 1999 IC RE, I seriously doubt that a 50 year old bus converted in the 80's is in a better level of road worthiness than a bus that got pulled from service last year.
THIS^
I learned this the hard way more than ten years ago.
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Old 11-06-2015, 10:14 AM   #153
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If you raise the roof you realllllly need to counterbalance the bottom..
OK, can you (maybe in another thread so this one does not go too far askew) lay out a little more of what you mean here? I have read through a lot of build threads with roof raises, and I have not seen this addressed yet.

Thanks
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Old 11-06-2015, 10:35 AM   #154
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OK, can you (maybe in another thread so this one does not go too far askew) lay out a little more of what you mean here? I have read through a lot of build threads with roof raises, and I have not seen this addressed yet.

Thanks
Body of the bus is light compared to the chassis, holding tanks, belly storage, ect.

99% of the time this all naturally works out.

Nat
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Old 11-06-2015, 10:41 AM   #155
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Originally Posted by nat_ster View Post
Body of the bus is light compared to the chassis, holding tanks, belly storage, ect.

99% of the time this all naturally works out.

Nat
Well I do get the concept of counterbalancing, but I was hoping for some specifics, like are you putting ballast in the belly, or will a fridge, range, stove, bed, etc. suffice? Are there any other adjustments (tires etc.) that should be looked at so it's not as top heavy?
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Old 11-06-2015, 11:55 AM   #156
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A water tank under a bed will not offer as much counter balance as a water tank under the bus. That additional 16 inches lower makes a big difference.

I drew out a floor plan, and marked all heavy objects that need to go into the bus. Then I did my best to spread them out evenly.

Like my wood stove. It's midship, passenger side. So there for I will install my 300 pound battery bank and my tool box on the other side.

Balancing the weight front to back is even more important. A overloaded steering axle can lead to a ton more trouble.

I feel most stay so far under the loaded limits that this is almost never a issue.

I on the other hand will be loaded to the max due to full time living.

Nat
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Old 11-06-2015, 05:03 PM   #157
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What he said, and under storage, under storage, under storage! put as many things under the bus as possible.
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Old 11-07-2015, 11:11 AM   #158
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But if you do get into an accident, once the adjuster comes and sees what you are driving, couldn't Progressive deny your coverage based on your vehicle being a converted school bus (which they are very clear that they will not cover) and force you to go out of pocket to cover your liability costs? I wouldn't want to take that chance.
Is that happening to alot of people? I applied with an agent over the phone and I would assume with the VIN and model it would've been obvious it was a school bus. They didn't see it listed as a motorhome but went with it and they didn't ask many questions, so I figured that was alright. It was just to get her home anyway, I plan to get better coverage once she's on the road.
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Old 11-07-2015, 12:41 PM   #159
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Is that happening to alot of people? I applied with an agent over the phone and I would assume with the VIN and model it would've been obvious it was a school bus. They didn't see it listed as a motorhome but went with it and they didn't ask many questions, so I figured that was alright. It was just to get her home anyway, I plan to get better coverage once she's on the road.
The person you spoke with has no vested interest in doing a thorough job or stopping you from making a mistake. They enter the info, and if your policy goes through, it goes through. Your policy gets reviewed later, and that's when it gets flagged. Or, your policy continues on, you keep paying your premiums, and if you ever have to make a claim, only then do you find out that you have wasted your money and your claim is denied.

But, like John Wayne said in Hondo, "a long time ago, I made me a rule. I let people do what they want to do."
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Old 11-07-2015, 05:29 PM   #160
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Any kind of dancing around the fact that it is/was a school bus is a no go. Don't do it. Your policy will be voided if you attempt to make a claim. Insurance is not just a piece of paper think about how important it will be if you actually need it. You MUST clearly state and make sure that the company you are dealing with is fully aware of what the vehicle is. Very few companies are willing to insure a school bus. One of the guidelines, one of the guidelines that underwriters look for is an un-modified exterior. Any kind of roof raise or roof addition makes you undesirable. There are simply too many horror stories of rollovers occurring in hippiebuses with vw vans welded to the roofs. National General will still write valid policies on converted schoolbuses. They are one of the only ones left. So don't out a big roof deck on the bus, clearly state hat is WAS/IS a bus, and deal with a company that actually writes policies for buses... Lying and or Omitting information from you insurance company is an absolutely terrible thing to do that will only result in your own misery. This thread seriously needs to be retitled, as Natonal General will insure skoolies...........
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