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Old 02-02-2018, 11:29 PM   #1
Mini-Skoolie
 
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WA - insurer conversion requirements/no goes

Weve got a pre-conversion bus that we have utterly failed to get insured so far and we have called a ton of brokers and followed up on every recommended agency. Its currently parked at the in-laws about 150 miles from home. *sob*

We were all set to get the title changed to rv but there was a missing digit in the title VIN. No biggie, just a trip to State Patrol to have them read the VIN plate. Which we are slightly reluctant to do without a valid insurance policy.

We have considered looking for a Commercial - for personal use policy. As we understand that would require the title to be left as a bus and our bus is over 26000 gvwr and we believe that we would need a CDL to drive it at that point. Boo.

So..... were pushing forward with a quick and dirty conversion at the in-laws despite the inconvenience.

I was curious what things insurance companies had wanted to see or had objected to in your conversion projects.
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Old 02-03-2018, 12:46 AM   #2
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Originally Posted by evathedefiler View Post
Weve got a pre-conversion bus that we have utterly failed to get insured so far and we have called a ton of brokers and followed up on every recommended agency. Its currently parked at the in-laws about 150 miles from home. *sob*

We were all set to get the title changed to rv but there was a missing digit in the title VIN. No biggie, just a trip to State Patrol to have them read the VIN plate. Which we are slightly reluctant to do without a valid insurance policy.

We have considered looking for a Commercial - for personal use policy. As we understand that would require the title to be left as a bus and our bus is over 26000 gvwr and we believe that we would need a CDL to drive it at that point. Boo.

So..... were pushing forward with a quick and dirty conversion at the in-laws despite the inconvenience.

I was curious what things insurance companies had wanted to see or had objected to in your conversion projects.
Washington State seems to be a bit of an outlier wrt CDL.

You are not the first person to say that they insist on one for any vehicle over 26000 lbs.

They are wrong, wholly and entirely wrong, but it sucks because it could cost quite a lot of money to prove it.

The facts are simple. The entirety of the FEDERAL CDL regs is predicated not on what you are driving, but whether or not you are driving commercially. If you are not driving for hire or reward (or carrying other people's kids around), then the CDL regs simply do not apply to you.

Most states deal with this by copying the CDL requirements into state law on your regular license, and they add Classes by weight. No state gets to change the federal regs, so they can't actually insist on a CDL for non-commercial driving. It's a license for commercial drivers, not for commercial vehicles.

WA seems not to do this, but instead try to insist you have a completely unnecessary CDL .... sigh.
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Old 02-03-2018, 10:58 AM   #3
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What Steve said.

The commercial policy for private use is the way to go for most of us. It's just a liability policy and it's not that expensive, usually.

Good luck.
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Old 02-03-2018, 04:23 PM   #4
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Both of our buses are titled as motor homes in WA and insured through State Farm as commercial vehicles for personal use.

If you look at the DOL website they have a very clearly written section titled "Who needs a CDL". If would look there if you want the scoop in WA regarding CDL requirements.
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Old 02-03-2018, 07:33 PM   #5
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Progressive was explicit that registering as an rv would cause them cancel a commercial for personal use policy. Is this not the case with Statefarm?

Ive been over through and upside down the WA DOL and our bus is over 26000 gvwr. So either we keep it registered as a bus and risk getting our knuckles rapped for no cdl or we register as a motor home and cant get an rv policy according to about a dozen agents and brokers because we are not converted yet.

It really seems like there should be a place to pledge well never go over 26000 scale weight or get 2000lbs derated somehow. The scale rate on the title is less than 16000. I promise were never going to put 10000lbs in it. Ive yet to find someone telling of how they successfully derated an old bus.

The in laws were less happy to have our bus than originally expressed so weve gotten a commercial - personal policy and are off the sort of the registration Monday and get the bus to our house before the policy gets dropped or something else stupid.
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Old 02-03-2018, 07:38 PM   #6
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Progressive was explicit that registering as an rv would cause them cancel a commercial for personal use policy. Is this not the case with Statefarm?

.
Three buses and two different State Farm offices. No problem so far.
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Old 02-03-2018, 07:52 PM   #7
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Progressive will insure it as "commercial for personal use" as a bus that is not being used for business. State Farm will not, but will once the seats are removed and you met their criteria for an RV, running water, electric, bed,etc. Once the criteria is met you can change the title to reflect RV and insure it as such at that time. As I understand it, it doesn't matter where you live, or what it weighs, if your not using it in a commercial capacity you do not need a CDL to drive it.
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Old 02-03-2018, 08:07 PM   #8
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Progressive will insure it as "commercial for personal use" as a bus that is not being used for business. State Farm will not, but will once the seats are removed and you met their criteria for an RV, running water, electric, bed,etc. Once the criteria is met you can change the title to reflect RV and insure it as such at that time. As I understand it, it doesn't matter where you live, or what it weighs, if your not using it in a commercial capacity you do not need a CDL to drive it.



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Three buses and two different State Farm offices. No problem so far.
Yes, State Farm will insure a bus as "commercial for personal use" in WA.
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Old 02-03-2018, 08:08 PM   #9
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Three buses and two different State Farm offices. No problem so far.
We may need to do some more talking to Statefarm, especially if Progressive decides they don’t like us. Can you recommend your agent?
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Old 02-03-2018, 08:11 PM   #10
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It doesn't sound like you have an issue yet. Progressive is covering you as a bus, forget about saying anything to them about converting it. You will be insured under the commercial for personal use policy while you build it out. Once you have it built, call State farm and insure it as an RV, cancel your policy with Progressive.
My State Farm agent is: Carla Boutin State Farm, 706-216-6392. Ask for her husband, Charles. He's a car guy. Tell him one of their insured referred you, I'm sure he'll know who it was.
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