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Old 06-28-2018, 11:37 AM   #71
Bus Nut
 
Join Date: Feb 2018
Location: Tahoe
Posts: 513
Year: 1997
Coachwork: International
Chassis: 3000RE
Engine: T444E w/ MT643
Rated Cap: 84 pass, 40'
Quote:
Originally Posted by fadderall View Post
Hey 2martins, I have followed several of your posts and like the research you do. I used to live in Tahoe myself. South Lake Tahoe off of Rubicon Trail. Only a couple years but one of the greatest places on earth. Are you on the Nevada side? I read in one of your posts where you had a motorhome title from Oregon and registered in Nevada as motorhome. I am in Las Vegas so I am very interested in this process. So, when you did all the insurance work, did it not matter that it was registered as a motorhome? Was the commercial for personal use policy because they wouldn't do RV insurance? From what most people seem to be saying insurance only cares about VIN not how its registered. I am trying to get a policy in a hurry as I want to bring a bus up to Las Vegas from Arizona in the next couple days. I have USAA as well (30 years, home, auto, etc) and already went through the USAA-progressive-commercial-USAA loop with of course no result. To be honest, this is the first time they let me down. Great company and never had a problem with them. But, as soon as I mentioned bus/RV/personal commercial they just turned their back on me.
Did the NG commercial policy actually work? Do you still have that insurance or did they drop it after a few weeks like I keep hearing? Do you have a contact at National General Commercial? I would like to call them today.

Thanks and keep up the awesome transformation.
USAA doesn't do anything over 10k lbs.

I am with Progressive commercial. National General will, in theory, take care of me once it's converted. I got the progressive policy thru AIS after getting the right person on the phone (at least 3 tries). Below are my notes on insurance:


AIS Insurance:

commercial policy for personal use - incl. bus conversions

pay in full 595 300K NO LIMIT individual items

they said no the first time because they thought it was converted because the seats were out, not true

(88 772-4247 Marie Ruiz ext 78802 written with Progressive

Placed thru Silver Key Insurance Agency,

Underwritten by United Financial Casualty Company

should be fine til convert, then National General will do it once it’s self contained.

pics with basic, fake, conversion has worked for others, not recommended!

Best Options for post conversion:

AIS personal, not commercial and National General

balsiger emailed Kat 2/27 SHE FINALLY GOT BACK TO ME WITH A QUOTE.

skoolie insurance emailed Rochelle 2/27

TRIED AND FAILED WITH THE FOLLOWING:

USAA no over 10K GVWR

AAA don't do RVs by themselves said if I called back I might get someone else who knew how to do it.

at least one more vehicle non professionally converted unacceptable.

too big, commercial vehicle GVW excess 12K#

allstate David Hoopengardner (775) 831-3773 Marta will look seemed doubtful

tahoe insurance (775) 833-9600

carpenter insurance (775) 831-4446 Farmers Michael Payton (775) 831-6233

indep. insurance carson 775-499-5844

LP Insurance 775-996-6000 Dani left message

Sierra Insurance Assoc. Truckee

Menath no. would do commercial, not personal use

Alpine Insurance (775) 883-5000 Cynthia - left message

Nevada Insurance Carson 775-883-6666 Janet can call tomorrow.

Mary Jo with cover wallet don't do commercial for personal use

CAN REGISTER AS NON_OPERATIONAL when in storage or non operational SEE DMV website


From DMV website: There are no special registration requirements for non-commercial recreational vehicles. RVs
must meet pass emissions tests when required. You may need special driver license classes or endorsements for large

vehicles or multiple trailers. See Driver License Classes.

NRS 482.013  “Bus” defined.  ​“Bus” means any motor vehicle designed for carrying more than 10

passengers and used for the transportation of persons, and every motor vehicle, other than a taxicab,

designed and used for transportation of persons for compensation.

(Added to NRS by 1965, 316)

NRS 482.1345  “Van conversion” defined.  ​“Van conversion” means a vehicular-type unit originally

designed and manufactured as a van or enclosed truck, which is modified to be used for travel, camping

or recreational use, but which retains the basic silhouette of a van.

(Added to NRS by 1973, 230)

Note: The legal maximum width of a recreational vehicle is 102 inches excluding mirrors, lights and other devices

required for safety; and an awning and any hardware used to attach the awning, but it cannot extend beyond any

mirror.

NRS 482.071  “Motor home” defined.  ​“Motor home” means a structure:

1. Attached permanently to a self-propelled motor vehicle chassis;

2. Designed as a temporary dwelling for travel, recreational or camping use; and

3. When assembled for the road, has a maximum body width of 102 inches.

(Added to NRS by 1973, 229; A 2001, 1725)

RS 482.101  “Recreational vehicle” defined.  ​“Recreational vehicle” means a vehicular-type unit

primarily designed as temporary living quarters for travel, recreational or camping use, which may be

self-propelled, mounted upon, or drawn by, a motor vehicle. The term includes a recreational park trailer.

(Added to NRS by 1973, 229, 1585; A 2001, 1726)

FEMA defines an RV:

A vehicle which is:

(a) Built on a single chassis;

(b) 400 square feet or less when measured at the largest horizontal projection;

(c) Designed to be self-propelled or permanently towable by a light duty truck; and

(d) Designed primarily not for use as a permanent dwelling but as temporary living quarters

for recreational, camping, travel, or seasonal use.

Recreation.gov defines an RV:

RecML, the recreation standard that is being developed, describes RV's as:

vehicles designed for providing lodging and meals while enjoying the outdoors, motor homes
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Old 07-02-2018, 02:59 PM   #72
Skoolie
 
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Join Date: Jun 2018
Location: Las Vegas, NV
Posts: 169
Quote:
Originally Posted by 2martins View Post
USAA doesn't do anything over 10k lbs.

I am with Progressive commercial. National General will, in theory, take care of me once it's converted. I got the progressive policy thru AIS after getting the right person on the phone (at least 3 tries). Below are my notes on insurance:


AIS Insurance:

commercial policy for personal use - incl. bus conversions

pay in full 595 300K NO LIMIT individual items

they said no the first time because they thought it was converted because the seats were out, not true

(88 772-4247 Marie Ruiz ext 78802 written with Progressive

Placed thru Silver Key Insurance Agency,

Underwritten by United Financial Casualty Company

should be fine til convert, then National General will do it once it’s self contained.

pics with basic, fake, conversion has worked for others, not recommended!

Best Options for post conversion:

AIS personal, not commercial and National General

balsiger emailed Kat 2/27 SHE FINALLY GOT BACK TO ME WITH A QUOTE.

skoolie insurance emailed Rochelle 2/27

TRIED AND FAILED WITH THE FOLLOWING:

USAA no over 10K GVWR

AAA don't do RVs by themselves said if I called back I might get someone else who knew how to do it.

at least one more vehicle non professionally converted unacceptable.

too big, commercial vehicle GVW excess 12K#

allstate David Hoopengardner (775) 831-3773 Marta will look seemed doubtful

tahoe insurance (775) 833-9600

carpenter insurance (775) 831-4446 Farmers Michael Payton (775) 831-6233

indep. insurance carson 775-499-5844

LP Insurance 775-996-6000 Dani left message

Sierra Insurance Assoc. Truckee

Menath no. would do commercial, not personal use

Alpine Insurance (775) 883-5000 Cynthia - left message

Nevada Insurance Carson 775-883-6666 Janet can call tomorrow.

Mary Jo with cover wallet don't do commercial for personal use

CAN REGISTER AS NON_OPERATIONAL when in storage or non operational SEE DMV website


From DMV website: There are no special registration requirements for non-commercial recreational vehicles. RVs
must meet pass emissions tests when required. You may need special driver license classes or endorsements for large

vehicles or multiple trailers. See Driver License Classes.

NRS 482.013  “Bus” defined.  ​“Bus” means any motor vehicle designed for carrying more than 10

passengers and used for the transportation of persons, and every motor vehicle, other than a taxicab,

designed and used for transportation of persons for compensation.

(Added to NRS by 1965, 316)

NRS 482.1345  “Van conversion” defined.  ​“Van conversion” means a vehicular-type unit originally

designed and manufactured as a van or enclosed truck, which is modified to be used for travel, camping

or recreational use, but which retains the basic silhouette of a van.

(Added to NRS by 1973, 230)

Note: The legal maximum width of a recreational vehicle is 102 inches excluding mirrors, lights and other devices

required for safety; and an awning and any hardware used to attach the awning, but it cannot extend beyond any

mirror.

NRS 482.071  “Motor home” defined.  ​“Motor home” means a structure:

1. Attached permanently to a self-propelled motor vehicle chassis;

2. Designed as a temporary dwelling for travel, recreational or camping use; and

3. When assembled for the road, has a maximum body width of 102 inches.

(Added to NRS by 1973, 229; A 2001, 1725)

RS 482.101  “Recreational vehicle” defined.  ​“Recreational vehicle” means a vehicular-type unit

primarily designed as temporary living quarters for travel, recreational or camping use, which may be

self-propelled, mounted upon, or drawn by, a motor vehicle. The term includes a recreational park trailer.

(Added to NRS by 1973, 229, 1585; A 2001, 1726)

FEMA defines an RV:

A vehicle which is:

(a) Built on a single chassis;

(b) 400 square feet or less when measured at the largest horizontal projection;

(c) Designed to be self-propelled or permanently towable by a light duty truck; and

(d) Designed primarily not for use as a permanent dwelling but as temporary living quarters

for recreational, camping, travel, or seasonal use.

Recreation.gov defines an RV:

RecML, the recreation standard that is being developed, describes RV's as:

vehicles designed for providing lodging and meals while enjoying the outdoors, motor homes
Thanks for sharing all of that. I just posted a bunch of this Nevada stuff on my thread before I read this. I am relieved to see that it wasnt just me as I have a similar insurance call log!
BTW- not helpful for us but National General will do conversion in progress insurance on skoolies but only in 12 states (Nevada not one of them).
QUESTION: If you are titled/registered in Nevada as Motorhome, why do you still have the commercial policy? Have you talked to National General about the RV policy? What do they want from you to get that policy in place?
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Old 07-25-2018, 08:41 AM   #73
Mini-Skoolie
 
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Join Date: Jul 2018
Location: Palm City, FL
Posts: 38
Year: 2003
Coachwork: International
Chassis: RE3000
Quote:
Originally Posted by EastCoastCB View Post
Get commercial insurance for personal use.
You can change the title to "MH" by simply giving them a signed paper saying its an RV when you title and register it. No need to make two trips to the tag office.
I'm in FL, let me know if you have any questions. I've titled and tagged 4 buses now.

so, I assume yes... but I figure its worth asking.

Do I actually need those things? I just bought our bus yesterday, going to start taking seats out. Once I do, does me putting a generator inside, a bed and a homer bucket to serve as a toilet suffice? lol
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Old 07-25-2018, 08:52 AM   #74
Bus Crazy
 
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Join Date: Dec 2016
Location: St Petersburg, FL
Posts: 2,294
Year: 1997
Coachwork: Bluebird
Chassis: TC2000 FE
Engine: Cummins 5.9
Rated Cap: 72
That's enough to get the title changed. getting the insurance may be a different story. Florida is a troublesome state to get motorhome insurance for a converted bus. AIS will do it but they require photos of the finished conversion, and likely won't be too amused by a sketchy minimal build.
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Old 07-25-2018, 09:33 AM   #75
Mini-Skoolie
 
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Join Date: Jul 2018
Location: Palm City, FL
Posts: 38
Year: 2003
Coachwork: International
Chassis: RE3000
Quote:
Originally Posted by brokedown View Post
That's enough to get the title changed. getting the insurance may be a different story. Florida is a troublesome state to get motorhome insurance for a converted bus. AIS will do it but they require photos of the finished conversion, and likely won't be too amused by a sketchy minimal build.
I'm torn on how to proceed. I want it legal to drive... Dont care what kind of policy if its commercial private use, RV, titled a bus or RV...
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Old 07-25-2018, 10:30 AM   #76
Bus Crazy
 
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Join Date: Dec 2016
Location: St Petersburg, FL
Posts: 2,294
Year: 1997
Coachwork: Bluebird
Chassis: TC2000 FE
Engine: Cummins 5.9
Rated Cap: 72
Commercial for private use will let you drive it but is expensive and doesn't cover conversions. It's good for the drive home and drives to the hardware store etc but at some point it stops covering you.
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