Reply
 
Thread Tools Display Modes
 
Old 05-28-2016, 08:01 AM   #11
Bus Nut
 
Join Date: Jun 2013
Posts: 252
Above 15 passenger and you get into CDL requirements which is an entirely different class of underwriting even if it's non-commercial use. Its just that this hobby/fascination/sickness we have plants us squarely in the middle of a legislative and therefore insurance gray area. If it's no longer a bus but not yet an RV, it's really just a heavy duty van such as a moving van or enclosed box truck if you can convince all parties of this for insurance and registration. States with strong agricultural economies seem to be more lenient IMO from reading this forum; they can slip it through as some sort of farm truck until it meets the RV requirements. I don't know if VA falls into that category.
jake_blue is offline   Reply With Quote
Old 05-28-2016, 08:32 AM   #12
Bus Geek
 
Join Date: May 2009
Location: Columbus Ohio
Posts: 7,945
Year: 1991
Coachwork: Carpenter
Chassis: International S3800
Engine: DT360
Rated Cap: 7 Row Handicap
the insurance company doesnt care about CDL or not.. CDL or not is a state's issue.. i cannot speak for virginia as far as vehicle registration and licensing... but the insiurance company strictly looks at the vehicle and the risk they take..

progressive and many other insurance companies feel thast converted school busses are a bad risk... most of the people on this forum are careful about securing their installations, balancing loads, center of gravity, front to back weight distribution, etc..

HOWEVER there are a LOT of poorly converted school busses out there where a quick stop will send a frig or a table flying right into the driver compartment.. or a heavy side loaded conversion that will flip easily etc... they found that there was likely too many claims...

some insurance companies wont insure custom cars either.. mainly because of the liability portion.. when you carry 100/300 (standard). most often even in a major claim.. they dont pay out near that amount of money for the medical liability or property repair....

if you dump a school bus theres a lot more hurt than can be inflicted on people..

obviously its entirely possible to dump a commercially made RV as well.. I see them smashed to pieces all the time on my florida trips from ohio... but the RV makers have to pay attention to balancing, loading, etc ...

again the arguments dont make a ton of sense as school busses are heavier duty, safer, etc.. but they go by how much they pay out on average.. so at some point they mustve paid out a lot on converted school busses as a whole in the insurance industry..

-Christopher
cadillackid is offline   Reply With Quote
Old 05-28-2016, 11:01 AM   #13
Bus Nut
 
Join Date: Jul 2011
Location: Virginia
Posts: 446
You can still register the bus in VA and get plates and drive it legally if you pay the $500 uninsured vehicle fee (see like below). Obviously most people's last choice but an option until you can find a policy. Also, think of the millions of people that are driving in the U.S without insurance. Not saying it's right, it's just a fact.


Virginia Department of Motor Vehicles
dgorila1 is offline   Reply With Quote
Old 05-28-2016, 12:59 PM   #14
Bus Nut
 
Dapplecreek's Avatar
 
Join Date: Mar 2016
Location: near Christiansburg VA
Posts: 468
Quote:
Originally Posted by dgorila1 View Post
You can still register the bus in VA and get plates and drive it legally if you pay the $500 uninsured vehicle fee (see like below). Obviously most people's last choice but an option until you can find a policy. Also, think of the millions of people that are driving in the U.S without insurance. Not saying it's right, it's just a fact.


Virginia Department of Motor Vehicles
Yeah, but I don't know that I like the idea of that much liability...
Dapplecreek is offline   Reply With Quote
Old 05-28-2016, 01:39 PM   #15
Bus Nut
 
Join Date: Jun 2013
Posts: 252
Virginia actually let's you admit you're driving uninsured?! Wow!
jake_blue is offline   Reply With Quote
Old 05-28-2016, 04:10 PM   #16
Bus Geek
 
Join Date: May 2009
Location: Columbus Ohio
Posts: 7,945
Year: 1991
Coachwork: Carpenter
Chassis: International S3800
Engine: DT360
Rated Cap: 7 Row Handicap
in ohio they dont check when you register but they give you random insurance checks .. you get a letter in the ail and have to show proof of insurance or that you have a Dedicated special bond account with 35k in it that you cant touvh and earn no interest on..
-Christopher
cadillackid is offline   Reply With Quote
Old 06-07-2016, 07:42 PM   #17
Bus Nut
 
Join Date: Jul 2011
Location: Virginia
Posts: 446
And so I'm finding out the same issues Dapple had. Called the Farm Bureau agent I've used for almost 25 yrs to ask if my auto policy covers me, even if just for the transport home, if I buy a "former bus". Typical auto policy doesn't cover a bus so I ask if there are any short term policies, liability only, I can get to cover the drive home and I'll worry about the permanent policy after I have it in the yard. He's checked several underwriters w/o success but has a few more places to check and will let me know tomorrow. I mentioned the "Commercial Policy for Private Use" and he's checking that too. He's a good agent who goes out of his way to help us so I'm sure he's checking all available options. I'll let you know what he finds.
dgorila1 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


» Virginia Campgrounds

Reviews provided by

Powered by vBadvanced CMPS v3.2.3

All times are GMT -5. The time now is 08:44 PM.


Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2017, vBulletin Solutions, Inc.