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Old 07-31-2019, 07:58 PM   #1
Mini-Skoolie
 
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Title switch to motor home and insuring in SC?

Just bought a 1989 FORD B700, and I've got some questions.

Anybody have experience getting there skoolie retitled to motorhome and getting it insured in South Carolina?

Do they do an inspection before giving you a new title and registration? Seeing as we have no vehicle inspections on vehicles in SC, but do have to meet 4 out of 6 requirements to be a motorhome I'm wondering if there is an initial inspection to show you meet the requirements to be considered a motorhome.

Any info would be greatly appreciated.
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Old 08-01-2019, 05:08 AM   #2
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I saw a video saying no but if you get into an accident, it better be converted into an RV. I think the video was under cheapRVliving on YouTube or a search. I also saw a detail thread on here about how to register , covert to RV etc. Good luck!
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Old 08-01-2019, 08:39 AM   #3
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I saw a video saying no but if you get into an accident, it better be converted into an RV. I think the video was under cheapRVliving on YouTube or a search. I also saw a detail thread on here about how to register , covert to RV etc. Good luck!
I plan on converting it. Just wanted to go ahead and get the title swapped and get it registered aND insured as a motor home instead of registering and having to switch it all over when I'm done with the conversion.
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Old 08-01-2019, 10:43 AM   #4
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I plan on converting it. Just wanted to go ahead and get the title swapped and get it registered aND insured as a motor home instead of registering and having to switch it all over when I'm done with the conversion.
You may have some challenges insuring it as an RV before the conversion is completed.

Particulars vary by state and insurance company. My insurance company won't insure without pictures of the finished conversion. I immediately titled and registered as an RV immediately but had to go with "commercial for personal use" insurance policy until the conversion is done.
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Old 08-01-2019, 10:57 AM   #5
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You may have some challenges insuring it as an RV before the conversion is completed.

Particulars vary by state and insurance company. My insurance company won't insure without pictures of the finished conversion. I immediately titled and registered as an RV immediately but had to go with "commercial for personal use" insurance policy until the conversion is done.
My friend in Alabama had no problem getting motor home insurance through national general before conversion. But they also have no requirements for what is considered a motor home I don't think. Did you get the commercial for personal use policy through progressive?
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Old 08-01-2019, 11:09 AM   #6
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My friend in Alabama had no problem getting motor home insurance through national general before conversion. But they also have no requirements for what is considered a motor home I don't think. Did you get the commercial for personal use policy through progressive?
No, I have State Farm. I have insured three buses with them and had very good luck with them.
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Old 08-01-2019, 12:12 PM   #7
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My friend in Alabama had no problem getting motor home insurance through national general before conversion. But they also have no requirements for what is considered a motor home I don't think. Did you get the commercial for personal use policy through progressive?
It's ludicrous to think the insurance company doesn't have guidelines for what is considered an RV. Some insurance comapnies will write you auseless policy just to make money off you, when you file a claim on your RV/MH and they see it's just an empty shell, you will find yourself with a bunch od personal responsibility. Progressive is no longer writing policies for converted buses.
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Old 08-01-2019, 01:01 PM   #8
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No, I have State Farm. I have insured three buses with them and had very good luck with them.
Good to know. Not really a fan of progressive but I've seen a lot of people saying that's who they've gone with.
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Old 08-01-2019, 01:04 PM   #9
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It's ludicrous to think the insurance company doesn't have guidelines for what is considered an RV. Some insurance comapnies will write you auseless policy just to make money off you, when you file a claim on your RV/MH and they see it's just an empty shell, you will find yourself with a bunch od personal responsibility. Progressive is no longer writing policies for converted buses.
Mine is going to be far from an empty shell once it's completed. I understand most insurance companies not wanting to cover them and the ones that do only wanting to give you liability. They don't want to have to shell out for negligence in the way things are secured, wired, or plumbed. I didn't know if the insurance companies have there own guidelines or if they go off your state's requirements. Ie. South Carolina has a 4 out of 6 requirement.
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Old 08-01-2019, 04:52 PM   #10
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Mine is going to be far from an empty shell once it's completed. I understand most insurance companies not wanting to cover them and the ones that do only wanting to give you liability. They don't want to have to shell out for negligence in the way things are secured, wired, or plumbed. I didn't know if the insurance companies have there own guidelines or if they go off your state's requirements. Ie. South Carolina has a 4 out of 6 requirement.
Pretty much everyone uses the 4 of 6 criteria when converting to a skoolie. Too many find it easy to lie to the DMV and tell them it's a motorhome or RV when in fact it is still just a bus with no seats. People do this to get the better RV rate than a commercial for personal use policy. The chink comes in when you go to regisyer it and find the insurance companies want pics or an inspection before writing the policy.
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