Roll Another One

[cadillackid]

it seems to be rather easy.. i suppose that an insurance company has access to DMV records? but when ive insured my vehicles ive never been asked to show proof of ownership.. I just call up with a VIN and tel lthem i want insurance and what i want..

vehicle definitely doesnt have to be registered.. however as others have said the insirance companies love to deny claims for any number of reasons.. (they look for reasons to deny) some policies only cover a single driver.. in fact most are that way.. something to think about when multiple people may be driving your bus..

carry comprehensive if you can... covers fire, vandalism, or other non-collision damage. (tree falls on your bus).

comp coverage is the reason I got a rather nice insurance pay-out when my first bus was deemed destroyed after the garage fire.

while I also believe that busses dont tend to stand out, the only attention ive gotten from police in mine has been "neat bus, what do you do with it?".. doesnt mean that even a minor fender bender couldnt cause you great issues with the police if your tags are not proper and current. Police take "thumbing your nose" at the law very seriously.. so a simple traffic stop with infractions can give them cause to look for many more things "wrong"... whereas keeping current tags and good faith effort into complying goes a long way toward other stuff being overlooked by the cops...
-Christopher

[Kubla]

my car insurance company asks who's name is on the title when i call about insurance

[EastCoastCB]

Originally Posted by Kubla

my car insurance company asks who's name is on the title when i call about insurance

But do they say they won't insure you if its not your name?
Maybe it varies from state to state. I'd bet on it.

[WanderWoman]

[QUOTE=o1marc;247132]

Originally Posted by WanderWoman

IMHO, you are extremely foolish, because most likely you DO NOT have valid insurance. The insurance card may get you by when the cops pull you, but in an accident your insurance company will deny any claim on an unregistered vehicle.

I absolutely have valid insurance. The tag office closed early for Xmas and I’ve been out of town.
p.s. you have to have ins before you can get tag [emoji4] at least here in FL


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[EastCoastCB]

[QUOTE=WanderWoman;247248]

Originally Posted by o1marc

I absolutely have valid insurance. The tag office closed early for Xmas and I’ve been out of town.
p.s. you have to have ins before you can get tag [emoji4] at least here in FL


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You are correct. INS has to be purchased before they'll even register it.

[WanderWoman]

Originally Posted by Robin97396

See, I told you buses were invisible.

They are, indeed!


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[WanderWoman]

[QUOTE=o1marc;247215]

Originally Posted by EastCoastCB

Check with your company, they will gladly sell you a policy, whether they cover you or not when you have an accident with no registration is a different matter. If I have your VIN number I can get a policy on your bus, so there are 2 policies? Might want to check that also. Normally you have to have an "Insurable interest" in the vehicle, which means you have to own it.

"Most auto insurance providers require that you own a car to place it on your policy and insure it. This is called having insurable interest in the vehicle."

There are exceptions, but trying to rationalize Wanderwoman situation is pushing it. I would be willing to bet money she would not be covered in the event of an accident. you have to remember Insurance companies are in the business of making money and will find every little excuse to not pay out on a claim if they can get away with it. I was recently in a rare end accident. 82YO man ran in the back of me, told his insurance that I hit him. I asked if they read the police report showing him at fault. They said they had , but were standing behind their clients claim, WTF. Had to sue him and got screwed again when he showed up with his Allstate attorney and the judge dismissed the case due to no evidence. WTF, how about the big dent in the back of my truck and the damage to the front of his Escape. There is no justice anymore.

That seriously sucks!


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[o1marc]

[QUOTE=WanderWoman;247248]

Originally Posted by o1marc

I absolutely have valid insurance. The tag office closed early for Xmas and I’ve been out of town.
p.s. you have to have ins before you can get tag [emoji4] at least here in FL


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Girl Puuuhleeze. You said you've been driving it for 15 months without a tag. If you get pulled over "out of town' with that excuse you will probably still get a ticket.

[Asetechrail]

[QUOTE=o1marc;247262]

Originally Posted by WanderWoman

Girl Puuuhleeze. You said you've been driving it for 15 months without a tag. If you get pulled over "out of town' with that excuse you will probably still get a ticket.

It must be nice to know everything there is to know about everything there is.

[o1marc]

[QUOTE=Asetechrail;247266]

Originally Posted by o1marc

It must be nice to know everything there is to know about everything there is.

It comes with experience.

[EastCoastCB]

Originally Posted by Asetechrail

It must be nice to know everything there is to know about everything there is.

Right???????

[Jdawgsfanasty]

Originally Posted by cadillackid

it seems to be rather easy.. i suppose that an insurance company has access to DMV records? but when ive insured my vehicles ive never been asked to show proof of ownership.. I just call up with a VIN and tel lthem i want insurance and what i want..

vehicle definitely doesnt have to be registered.. however as others have said the insirance companies love to deny claims for any number of reasons.. (they look for reasons to deny) some policies only cover a single driver.. in fact most are that way.. something to think about when multiple people may be driving your bus..

carry comprehensive if you can... covers fire, vandalism, or other non-collision damage. (tree falls on your bus).

comp coverage is the reason I got a rather nice insurance pay-out when my first bus was deemed destroyed after the garage fire.

while I also believe that busses dont tend to stand out, the only attention ive gotten from police in mine has been "neat bus, what do you do with it?".. doesnt mean that even a minor fender bender couldnt cause you great issues with the police if your tags are not proper and current. Police take "thumbing your nose" at the law very seriously.. so a simple traffic stop with infractions can give them cause to look for many more things "wrong"... whereas keeping current tags and good faith effort into complying goes a long way toward other stuff being overlooked by the cops...
-Christopher

When dealing with honets don't disturb their nesr

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[Jdawgsfanasty]

Originally Posted by EastCoastCB

But do they say they won't insure you if its not your name?
Maybe it varies from state to state. I'd bet on it.

It does! In Michigan it's "no fault"...most states somebody gets blamed...and you gotta have "full coverage" to get fixed if they put the blame on your...lol the original thread is gone!

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[plfking]

Originally Posted by EastCoastCB

Right???????

There's always one.

It took me 2 years to learn that this site has an Ignore User button, and that I actually had a need for it.


Don

[Jdawgsfanasty]

Originally Posted by plfking

There's always one.

It took me 2 years to learn that this site has an Ignore User button, and that I actually had a need for it.


Don

So...how's the shorty? Sorry for my part in getting off thread...

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[EastCoastCB]

Originally Posted by Jdawgsfanasty

So...how's the shorty? Sorry for my part in getting off thread...

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Shorty runs like a BEAST.
Gonna attempt to fix it in the next week or two.

After 5 years of no wheat, barley, or rye I've been enjoying donuts and beer.
Breakfast of champions!

[Jdawgsfanasty]

Originally Posted by EastCoastCB

Shorty runs like a BEAST.
Gonna attempt to fix it in the next week or two.

After 5 years of no wheat, barley, or rye I've been enjoying donuts and beer.
Breakfast of champions!

Lol...cheers

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[BurlKing]

Originally Posted by EastCoastCB

Shorty runs like a BEAST.
Gonna attempt to fix it in the next week or two.

After 5 years of no wheat, barley, or rye I've been enjoying donuts and beer.
Breakfast of champions!

awesome table, haha.

[Tango]

"Beer... it's not just for breakfast anymore!"

[EastCoastCB]

It really is a great table, isn't it?!