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-   -   Driving bus back home from purchase site...insurance, tag, not possible... (http://www.skoolie.net/forums/f18/driving-bus-back-home-from-purchase-site-insurance-tag-not-possible-14236.html)

RC000E 06-24-2016 08:51 PM

Driving bus back home from purchase site...insurance, tag, not possible...
 
Do most attempt to insure this as a bus to get it home? I find it likely that will be an uphill battle, requiring commercial insurance, class b license, etc. Plus, then you've insured something that will sit for a substantial amount of time upon arrival.

I'm assuming many just jump on the highway and go for the gold?? Some loophole methods people have discovered?

I'm all ears...errr eyes...:biggrin:

Carytowncat 06-24-2016 08:54 PM

Hi,


Good questions.

I got the trip permit and drove it where i parked it. My plan is to take a little time to see if i will even be traveling before i go through with all the title and insurance stuff.

Good luck!

mightymainermite 06-24-2016 09:37 PM

Two Progressive customer service agents informed me that I have a 30 day grace period on adding a new vehicle to my policy. Talk to your insurance company for sure.

jake_blue 06-25-2016 04:27 AM

Not to be argumentative with mightymainermite, but I'd not just take that advice as assurance that you'd actually be insured if by the odd coincidence you are involved in an accident on the maiden trip home. The reason is that while consumer personal vehicle insurance policies can afford blanket coverage in a newly purchased car, rental car or what-have-you, the key variable is that it's a car. Now maybe Progressive is, well, more progressive than my experience with other insurers but like when I called my State Farm agent they said that blanket coverage does not extend to commercial vehicles, which includes a bus, a large rental truck, or the like. Now I will say that when I talked to AIS and got my 'commercial vehicle of personal use' policy it was being underwritten by Progressive Commercial so it is entirely possible that Progressive has a more laid back attitude towards what their blanket policy will cover.

Regarding commercial driver's license endorsement, well we've debated this one to death here on the forum. If you do get pulled over on the trip home and you know how to talk to LEOs then chances are good you'll have no trouble. The important thing to remember is that it is a commercial vehicle by all accounts but if you have your bill of sale made out to you as a private individual and not sold to your DBA, and that temporary insurance card is for a commercial vehicle for personal use, then at least it demonstrates that you took all the right steps to getting your bus-to-rv home legally and are not just trying to operate a commercial vehicle without the proper credentials. I'd also go a step further and tape signs in one window each side and rear that reads IN TRANSIT, NOT FOR HIRE just to be safe.

Brad_SwiftFur 06-25-2016 05:29 AM

I ended up with Progressive Commercial; all I needed was a VIN. And a temp tag, all I needed was insurance and a bill of sale. Had both done in under an hour. YMMV.

RC000E 06-25-2016 08:08 AM

Temp Tags are a state to state variable. Not all states issue them. So, getting a temp isn't a given. It does appear that Kentucky issues them, but it's going to have to be something I do POST pickup, as once I get to KY I won't have transportation to move about freely.

As with the policy I stated earlier, it's unfortunate to insure something for a day, as a commercial vehicle, only to get it home to have it sit for 4-6 months during conversion.

Most of my reading here, it essentially seems like Progressive is the only insurer that consistently will do the bus policy. I just hate to initiate a policy that costs a substantial amount, only to utilize it for one day...9 hours essentially.

cadillackid 06-25-2016 08:48 AM

Quote:

Originally Posted by RC000E (Post 153313)
Temp Tags are a state to state variable. Not all states issue them. So, getting a temp isn't a given. It does appear that Kentucky issues them, but it's going to have to be something I do POST pickup, as once I get to KY I won't have transportation to move about freely.

As with the policy I stated earlier, it's unfortunate to insure something for a day, as a commercial vehicle, only to get it home to have it sit for 4-6 months during conversion.

Most of my reading here, it essentially seems like Progressive is the only insurer that consistently will do the bus policy. I just hate to initiate a policy that costs a substantial amount, only to utilize it for one day...9 hours essentially.

call your ciurremnt insurer and explain exactly what you are doing and see iof they will cover you for the single event. I dont know about your home state but I know in OHIO.. that if you Register a vehicle with any type of tag on it that it MUST be insured regardless of whether you actually drive it or not.. the state can send you a letter that says "show your proof" and you must comply or you will lose your driver license and be required to carry SR-21 for 5 years on all your vehicles.. when you get a temp tag that vehicle is registered in the state you pick it up from.. so that state governments rules apply when it comes to insurance as far as driving it or not..

to me it was well wiorth the $500 to pay for full coverage progressive commercial in case something went wrong.. you can also get state minimums and liability only and my guess even cancel it after a month or so.. (whatever your state rukles are as far as insurance).. some states if you own a vehicle it must have insurnace.. some its if its tagged.. each one is different..


-Christopher

EastCoastCB 06-25-2016 09:02 AM

Quote:

Originally Posted by RC000E (Post 153313)
Temp Tags are a state to state variable. Not all states issue them. So, getting a temp isn't a given. It does appear that Kentucky issues them, but it's going to have to be something I do POST pickup, as once I get to KY I won't have transportation to move about freely.

As with the policy I stated earlier, it's unfortunate to insure something for a day, as a commercial vehicle, only to get it home to have it sit for 4-6 months during conversion.

Most of my reading here, it essentially seems like Progressive is the only insurer that consistently will do the bus policy. I just hate to initiate a policy that costs a substantial amount, only to utilize it for one day...9 hours essentially.

See my thread. Kentucky only issues temp tags in ONE office in the ENTIRE state. In Frankfort.

Hammerhead 06-25-2016 09:35 AM

I had an Allstate agent/notary public issue a 30 day PA tag to get my bus back to VA. All I showed him was my driver's license and my current insurance coverage on my van.
Paid $50 and was on my way down I 81....

mightymainermite 06-25-2016 10:46 AM

Quote:

Originally Posted by jake_blue (Post 153308)
Not to be argumentative with mightymainermite, but I'd not just take that advice as assurance that you'd actually be insured if by the odd coincidence you are involved in an accident on the maiden trip home. The reason is that while consumer personal vehicle insurance policies can afford blanket coverage in a newly purchased car, rental car or what-have-you, the key variable is that it's a car. Now maybe Progressive is, well, more progressive than my experience with other insurers but like when I called my State Farm agent they said that blanket coverage does not extend to commercial vehicles, which includes a bus, a large rental truck, or the like. Now I will say that when I talked to AIS and got my 'commercial vehicle of personal use' policy it was being underwritten by Progressive Commercial so it is entirely possible that Progressive has a more laid back attitude towards what their blanket policy will cover.

Regarding commercial driver's license endorsement, well we've debated this one to death here on the forum. If you do get pulled over on the trip home and you know how to talk to LEOs then chances are good you'll have no trouble. The important thing to remember is that it is a commercial vehicle by all accounts but if you have your bill of sale made out to you as a private individual and not sold to your DBA, and that temporary insurance card is for a commercial vehicle for personal use, then at least it demonstrates that you took all the right steps to getting your bus-to-rv home legally and are not just trying to operate a commercial vehicle without the proper credentials. I'd also go a step further and tape signs in one window each side and rear that reads IN TRANSIT, NOT FOR HIRE just to be safe.

Sorry Jake, I was just sharing what happened with my case; in my laziness I probably should have left a disclaimer with my statement :hide:

EastCoastCB 06-25-2016 11:07 AM

When I got my first bus back in 03 I thought I'd be covered for the ride home.
Got in a fender bender and found out the hard way I WASN'T.

jake_blue 06-25-2016 11:49 AM

Quote:

Originally Posted by mightymainermite (Post 153324)
Sorry Jake, I was just sharing what happened with my case; in my laziness I probably should have left a disclaimer with my statement :hide:

No worries as I think we all understand we only speak from personal experience and there's no real Authority with many of these answers. I simply did not want to be perceived as being argumentative.

turf 06-25-2016 12:50 PM

if you bought an rv off of ebay and had to travel to get it, your primary insurance should have blanket coverage for a week or 2 from the date of the bill of sale. commons sense prevails unless you twist the sheets up yourself.

its an "rv". it might be a "soon to be rv". going commercial just means you said the word "bus" to the wrong person.

unless your drunk or in an accident, a chat with the authorities to explain your situation is just foolhardy.

you wont get a ticket for speeding in a skoolie.

EastCoastCB 06-25-2016 02:45 PM

Quote:

Originally Posted by turf (Post 153335)
if you bought an rv off of ebay and had to travel to get it, your primary insurance should have blanket coverage for a week or 2 from the date of the bill of sale. commons sense prevails unless you twist the sheets up yourself.

its an "rv". it might be a "soon to be rv". going commercial just means you said the word "bus" to the wrong person.

unless your drunk or in an accident, a chat with the authorities to explain your situation is just foolhardy.

you wont get a ticket for speeding in a skoolie.

The VIN says "bus". Then they ask "was this a school bus?"

RC000E 06-25-2016 04:32 PM

Quote:

Originally Posted by EastCoastCB (Post 153317)
See my thread. Kentucky only issues temp tags in ONE office in the ENTIRE state. In Frankfort.

lol...all the more reason that option is OUT...

RC000E 06-25-2016 04:38 PM

Quote:

Originally Posted by turf (Post 153335)
if you bought an rv off of ebay and had to travel to get it, your primary insurance should have blanket coverage for a week or 2 from the date of the bill of sale. commons sense prevails unless you twist the sheets up yourself.

its an "rv". it might be a "soon to be rv". going commercial just means you said the word "bus" to the wrong person.

unless your drunk or in an accident, a chat with the authorities to explain your situation is just foolhardy.

you wont get a ticket for speeding in a skoolie.

I agree with you here...I mean, it is often people only find the problem if you hand them enough info to do so. That said, the VIN will certainly reveal a "bus", so I'd think I'd respond...not since I've owned it, what a prior owner did with it isnt' for me to say...I bought a motorhome. Each employee of a company is different though...just gotta use every tactic there is.

As a guy who's fought my own cases in various levels of court, against several different tiers of govt, and won repeatedly, I don't offer information...it's on them to gather it. I don't expect to be pulled over speeding for certain, but a lack of registration could initiate a stop. Also, god forbid a situation like EastCoastCB had...bendin up the bus...that ain't good...:facepalm:

EastCoastCB 06-25-2016 05:08 PM

Quote:

Originally Posted by RC000E (Post 153346)
I agree with you here...I mean, it is often people only find the problem if you hand them enough info to do so. That said, the VIN will certainly reveal a "bus", so I'd think I'd respond...not since I've owned it, what a prior owner did with it isnt' for me to say...I bought a motorhome. Each employee of a company is different though...just gotta use every tactic there is.

As a guy who's fought my own cases in various levels of court, against several different tiers of govt, and won repeatedly, I don't offer information...it's on them to gather it. I don't expect to be pulled over speeding for certain, but a lack of registration could initiate a stop. Also, god forbid a situation like EastCoastCB had...bendin up the bus...that ain't good...:facepalm:

My bus didn't even get a ding, but the "collectible" 1980's LandCruiser ended up with a damaged fender. The guy insisted on it being done with NOS parts and after a lawsuit I paid out nearly 5 grand. Stupid Toyota wasn't even worth that amount.
Insurance is a joke. I only buy it to be legal.

FWIW no one uses temp tags in KY and I came home with my proof of valid insurance and the title. 800 miles home.
Had a buddy follow me back in my car.

Dapplecreek 06-25-2016 07:08 PM

Or maybe wire the dough, have the seller mail you the title, and retitle it in your name in your home state and make your way to pick it up with new tags in hand. In VA (telling you this to illustrate the possibility, not because it's applicable per se) you can title it in your name with no trouble at all: the trick is getting insurance on it if it is a 'bus for private use'.

EastCoastCB 06-25-2016 09:12 PM

Quote:

Originally Posted by Dapplecreek (Post 153356)
Or maybe wire the dough, have the seller mail you the title, and retitle it in your name in your home state and make your way to pick it up with new tags in hand. In VA (telling you this to illustrate the possibility, not because it's applicable per se) you can title it in your name with no trouble at all: the trick is getting insurance on it if it is a 'bus for private use'.

THat would be the best way to go. When I bought my bus they simply wouldn't send my title in the mail. They were too afraid it would get lost.

Dapplecreek 06-25-2016 09:36 PM

Quote:

Originally Posted by EastCoastCB (Post 153360)
THat would be the best way to go. When I bought my bus they simply wouldn't send my title in the mail. They were too afraid it would get lost.

There are ways to deal with that: you can get a duplicate for five ten bucks if the original is lost. I don't want to talk about how I know this.


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