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Old 06-01-2016, 11:49 AM   #1
Bus Nut
 
Join Date: Oct 2015
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Year: 2003
Chassis: E-450
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Will insurance co honor title change?

As some of you know, we just bought a ford e450. As the title currently reads, its a minibus. I've seen these retitled as many different things, including a van. They're size and shape make it a bit easier than bigger buses it seems.

I nearly bought a similar bus and when I went to insure it, they were more than happy to insure it as a van because the seller had retitled it and thats what their systems showed. This was nice because it allowed me to avoid the commercial division.

I am buying out-of-state and want to get temp tags to get it home legally. To do so I need insurance, but I can't retitle until I'm in my home state. This means I have to insure the vehicle at least temporarily as a bus.

My question is whether or not this will make it hard for them to ever insure it as anything but a bus?
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Old 06-01-2016, 11:58 AM   #2
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Quote:
Originally Posted by PigPen View Post
As some of you know, we just bought a ford e450. As the title currently reads, its a minibus. I've seen these retitled as many different things, including a van. They're size and shape make it a bit easier than bigger buses it seems.

I nearly bought a similar bus and when I went to insure it, they were more than happy to insure it as a van because the seller had retitled it and thats what their systems showed. This was nice because it allowed me to avoid the commercial division.

I am buying out-of-state and want to get temp tags to get it home legally. To do so I need insurance, but I can't retitle until I'm in my home state. This means I have to insure the vehicle at least temporarily as a bus.

My question is whether or not this will make it hard for them to ever insure it as anything but a bus?
if all you are doing iooking to get home then re-title it.. call your current ins company and just tell them you are buying a new vehicle and want to find out if you are covered for a short time on your current policy while driving the new vehicle? I know my insurance company will do this.. I buy a new vehicle and im covered for up to 30 days in my new vehicle under my current policy... that would give you the ability to drive it home then re-title it and write a new policy for it.
-Christopher
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Old 06-01-2016, 12:38 PM   #3
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Great idea. I'll call now. TN doesn't require proof-of-insurance for temp tags either, so this could be easier than I thought.
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Old 06-01-2016, 12:48 PM   #4
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Engine: 7.3 Turbo
So they say that while I have a 30 day extension on new vehicles and that they will cover any potential accidents, relying on this will still leave me at risk legally as I wouldn't have official proof of insurance. Is this correct? It seems counter-intuitive that the vehicle could simultaneously be insured and at risk of being ticketed for not being insured.
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Old 06-01-2016, 01:24 PM   #5
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Not to throw a fly in your ointment but a personal vehicle insurance policy may not provide any liability protection on the purchase of a new commercial grade vehicle but that will all depend on how your insurance company looks at the vehicle which oftent imes depends on how your state looks at the vehicle. It is better to ask first than to get caught without.
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Old 06-01-2016, 02:51 PM   #6
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Join Date: May 2009
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Engine: DT360
Rated Cap: 7 Row Handicap
jake may be right.. I dont know.. but the proof of insurance is your current insurance card and a bill of sale stating you just bought the vehicle in the last 30 days.

thats OHIO.. I dont know about your state
-Christopher
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Old 06-01-2016, 03:48 PM   #7
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So I got quoted with Progressive on a 12-month bus-for-personal-use policy at less than $350 for slightly more than minimum coverage. Not bad, but I have some additional questions now.

If I were to insure it as a bus, how would this change the titling/registration process (if at all)?

Also, does the fact that the e450 cutaway chassis is used for standard RVs mean I may have an easier time insuring it as an RV down the road? My thinking is that it may look better on paper than a full-size bus.
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Old 06-01-2016, 03:52 PM   #8
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Join Date: May 2009
Location: Columbus Ohio
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if this is a ford E series cant you just insure and title it like a club wagon?
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Old 06-01-2016, 05:13 PM   #9
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I don't believe so, but I'd love to be wrong. I went in to the local notary to ask about retitling, but she told me that I couldn't do that and the only thing I can do is change the registration. She also told me that anything with a GVWR over 10000 requires a CDL in PA.

From literally everything I've read/learned on the subject, these are far from correct.
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Old 06-01-2016, 06:07 PM   #10
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Originally Posted by PigPen View Post
I don't believe so, but I'd love to be wrong. I went in to the local notary to ask about retitling, but she told me that I couldn't do that and the only thing I can do is change the registration. She also told me that anything with a GVWR over 10000 requires a CDL in PA.
Well I wouldn't trust the opinion of a notary for matters relating to the motor vehicle bureau... which both of those opinions are. If the GVWR issue was accurate then even an RV would require a CDL and we know that not to be true. CDL requirements are a federal standard, not the state even though drivers licenses are administered by the state. It's a huge, confusing mess.

As far as retitling, again this is the DMV;s purview and the only thing I can imagine would involve a notary is if the DMV requires the forms indicating the title change to be notarized. In Indiana, the form is just an inspection form signed by a police officer that the vehicle meets the description of the requested change but the parameters are vague so it helps to know a cop!
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