Reply
 
Thread Tools Display Modes
 
Old 01-21-2018, 12:48 AM   #1
Mini-Skoolie
 
Join Date: Dec 2017
Posts: 24
Florida peeps! need help with insurance ASAPPP

I am 3 days away from purchasing a 02 E450 and I am running into serious problems so far! Apparently the E450 is only coming up as a commercial vehicle with the insurance people so they require me to get commercial insurance. but I'm not a business nor do I have a business so I have no idea how to proceed here.

Should I go the Vermont registering route? It has nice appeal to solve the short term issue of registering but insurance is the main necessity right now.

Please give me some insight!!
smiley is offline   Reply With Quote
Old 01-21-2018, 01:04 AM   #2
Bus Geek
 
Join Date: Sep 2017
Location: Owasso, OK
Posts: 2,627
Year: 1999
Coachwork: Thomas
Chassis: Saf-T-Liner MVP ER
Engine: Cummins 6CTA8.3 Mechanical MD3060
Rated Cap: 46 Coach Seats, 40 foot
Quote:
Originally Posted by smiley View Post
I am 3 days away from purchasing a 02 E450 and I am running into serious problems so far! Apparently the E450 is only coming up as a commercial vehicle with the insurance people so they require me to get commercial insurance. but I'm not a business nor do I have a business so I have no idea how to proceed here.

Should I go the Vermont registering route? It has nice appeal to solve the short term issue of registering but insurance is the main necessity right now.

Please give me some insight!!
You get a "Commercial Policy for Personal Use"

Try Progressive Commercial.
__________________
Steve Bracken

Build Thread
Twigg is offline   Reply With Quote
Old 01-21-2018, 01:17 AM   #3
Bus Nut
 
Thomas1985's Avatar
 
Join Date: Sep 2016
Location: Fayetteville Arkansas
Posts: 419
Year: 1991
Coachwork: Carpenter
Chassis: GMC G3500 Vandura
Engine: V-8 5.7L Gas
I have a V10 E450 shuttle bus not a school bus that I bought in Illinois. I got RV insurance possibly because my guy is cool. Everywhere I went I told them it was an RV. Same thing when I went to get my tags and showed them my RV insurance. No questions asked.
That's how I would go about it.
If you already have a vehicle or two and maybe some homeowners insurance with a company and are in good standing they probably want to help you out. That's my experience anyway.
I would not say to any insurance company that you're doing a self conversion.
When speaking to your insurance company say " I took all the seats out and threw a bed in the back. It's a recreational vehicle I'm going to use for camping in the summer."
Make it sound like you're hardly going to drive it. They'll assume little risk and you get cheaper insurance.
Good luck to you.
Thomas1985 is offline   Reply With Quote
Old 01-21-2018, 01:36 AM   #4
Mini-Skoolie
 
Join Date: Dec 2017
Posts: 24
Quote:
Originally Posted by Twigg View Post
You get a "Commercial Policy for Personal Use"

Try Progressive Commercial.
so I just got off the phone with Progressive commercial and they told me that they don't do "Commercial policy for Personal Use". needless to say, I was speechless when the agent said this and I'm back to square 1.

heelllppppp lol
smiley is offline   Reply With Quote
Old 01-21-2018, 01:37 AM   #5
Bus Geek
 
o1marc's Avatar
 
Join Date: Dec 2017
Location: Dawsonville, Ga.
Posts: 8,989
Year: 1999
Coachwork: Genesis
Chassis: International
Engine: DT466/3060
Rated Cap: 77
You need to be very careful on how you insure your bus or RV. Pulling the seats and throwing a mattress in the back does not constitute an RV, at least not with State Farm. It needs a running water, bathroom facilities of some sort, etc. I hate for someone to be involved in a accident and your insurance company telling you "Oh, this isn't what you described" and they don't cover the claim. Sure it's easy to pull the wool over the eyes of unsuspecting DMV or Insurance people to get you legal to go down the road, but you might find you shot yourself in the foot trying to skirt the correct way to do it.
o1marc is offline   Reply With Quote
Old 01-21-2018, 01:51 AM   #6
Mini-Skoolie
 
Join Date: Dec 2017
Posts: 24
Quote:
Originally Posted by o1marc View Post
You need to be very careful on how you insure your bus or RV. Pulling the seats and throwing a mattress in the back does not constitute an RV, at least not with State Farm. It needs a running water, bathroom facilities of some sort, etc. I hate for someone to be involved in a accident and your insurance company telling you "Oh, this isn't what you described" and they don't cover the claim. Sure it's easy to pull the wool over the eyes of unsuspecting DMV or Insurance people to get you legal to go down the road, but you might find you shot yourself in the foot trying to skirt the correct way to do it.
I hear that! for now, I am just trying to get insurance so I can drive it home. My gf has insurance on her van but not me so I don't get the free 30 days of insurance with new vehicles.

I called Progressive again and the guy said that FL and VA are apparently the ONLY 2 states that they don't do the "Commercial policy for Personal Use"???
Super confused as to how everyone got this policy and it seems to be the only option, yet I've been denied twice by 2 separate reps.

Would LOVE some guidance/anyone know any insurance agents that can help me with this?
smiley is offline   Reply With Quote
Old 01-21-2018, 01:57 AM   #7
Bus Geek
 
Join Date: Sep 2017
Location: Owasso, OK
Posts: 2,627
Year: 1999
Coachwork: Thomas
Chassis: Saf-T-Liner MVP ER
Engine: Cummins 6CTA8.3 Mechanical MD3060
Rated Cap: 46 Coach Seats, 40 foot
Quote:
Originally Posted by smiley View Post
so I just got off the phone with Progressive commercial and they told me that they don't do "Commercial policy for Personal Use". needless to say, I was speechless when the agent said this and I'm back to square 1.

heelllppppp lol
lol ... Yes they do.

Go online to progressive commercial.

Fill in the application, get a quote number and call the number listed on the website.
__________________
Steve Bracken

Build Thread
Twigg is offline   Reply With Quote
Old 01-21-2018, 02:00 AM   #8
Mini-Skoolie
 
Join Date: Dec 2017
Posts: 24
Quote:
Originally Posted by Twigg View Post
lol ... Yes they do.

Go online to progressive commercial.

Fill in the application, get a quote number and call the number listed on the website.
I was lol'ing just as hard when he said it, I honestly thought it was a joke. but I called AGAIN and got a different guy. told me the same thing and I asked if it was a recent change. said its been this way for the 3 YEARS that he has been there.

not sure if they are coordinating this orrr...lol
smiley is offline   Reply With Quote
Old 01-21-2018, 02:09 AM   #9
Mini-Skoolie
 
Join Date: Dec 2017
Posts: 24
I shouldn't need a CDL for the E450 should I?
smiley is offline   Reply With Quote
Old 01-21-2018, 02:13 AM   #10
Bus Geek
 
o1marc's Avatar
 
Join Date: Dec 2017
Location: Dawsonville, Ga.
Posts: 8,989
Year: 1999
Coachwork: Genesis
Chassis: International
Engine: DT466/3060
Rated Cap: 77
Quote:
Originally Posted by smiley View Post
I shouldn't need a CDL for the E450 should I?
Not if you are using it for personal use and not as a commercial enterprise. I don't see why that isn't just a heavy duty van.
o1marc is offline   Reply With Quote
Old 01-21-2018, 02:14 AM   #11
Bus Geek
 
Join Date: Sep 2017
Location: Owasso, OK
Posts: 2,627
Year: 1999
Coachwork: Thomas
Chassis: Saf-T-Liner MVP ER
Engine: Cummins 6CTA8.3 Mechanical MD3060
Rated Cap: 46 Coach Seats, 40 foot
Quote:
Originally Posted by smiley View Post
I was lol'ing just as hard when he said it, I honestly thought it was a joke. but I called AGAIN and got a different guy. told me the same thing and I asked if it was a recent change. said its been this way for the 3 YEARS that he has been there.

not sure if they are coordinating this orrr...lol
I got a Progressive Commercial policy for private use, in December.
__________________
Steve Bracken

Build Thread
Twigg is offline   Reply With Quote
Old 01-21-2018, 02:19 AM   #12
Bus Geek
 
o1marc's Avatar
 
Join Date: Dec 2017
Location: Dawsonville, Ga.
Posts: 8,989
Year: 1999
Coachwork: Genesis
Chassis: International
Engine: DT466/3060
Rated Cap: 77
Quote:
Originally Posted by Twigg View Post
I got a Progressive Commercial policy for private use, in December.
I just went to the Progressive site and tried to get quote for that truck.It said:
The following vehicle(s) require commercial auto coverage instead of personal auto coverage.
2002 FORD E450
Start a commercial auto quote now for your vehicle(s) or call us directly to see if this option works for you.


I was able to complete an application for a Commercial policy for Personal Use Only, with a business type as Individual/Sole Proprietor. Ended up with message to "call to complete quote.
o1marc is offline   Reply With Quote
Old 01-21-2018, 02:25 AM   #13
Mini-Skoolie
 
Join Date: Dec 2017
Posts: 24
Quote:
Originally Posted by o1marc View Post
Not if you are using it for personal use and not as a commercial enterprise. I don't see why that isn't just a heavy duty van.
I'm with ya there man! I figured the insurance process would be ESPECIALLY easy with the E450 choice. not sure why this is being such a hassle.
smiley is offline   Reply With Quote
Old 01-21-2018, 02:27 AM   #14
Mini-Skoolie
 
Join Date: Dec 2017
Posts: 24
Quote:
Originally Posted by Twigg View Post
I got a Progressive Commercial policy for private use, in December.
that's wild man, these people must have something against me haha

was there a specific agent you went to? I got further along with the online quoting for commercial auto but then just told me to call and the commercial line just closed I guess I gotta let this one get closer to the deadline than I want.
smiley is offline   Reply With Quote
Old 01-21-2018, 02:35 AM   #15
Bus Geek
 
o1marc's Avatar
 
Join Date: Dec 2017
Location: Dawsonville, Ga.
Posts: 8,989
Year: 1999
Coachwork: Genesis
Chassis: International
Engine: DT466/3060
Rated Cap: 77
Fill out your profile so we can better assist you by knowing where you are. I assume you are in Fla. or Va.? If worse comes to worse insure it as a commercial business, get on the payment plan and only pay one month to get it home and then cancel the policy. For my bus that will cost me less than $15.
o1marc is offline   Reply With Quote
Old 01-21-2018, 02:36 AM   #16
Bus Geek
 
o1marc's Avatar
 
Join Date: Dec 2017
Location: Dawsonville, Ga.
Posts: 8,989
Year: 1999
Coachwork: Genesis
Chassis: International
Engine: DT466/3060
Rated Cap: 77
Quote:
Originally Posted by smiley View Post
that's wild man, these people must have something against me haha

was there a specific agent you went to? I got further along with the online quoting for commercial auto but then just told me to call and the commercial line just closed I guess I gotta let this one get closer to the deadline than I want.
Twigg is in Oka. not Fla. or Va.
o1marc is offline   Reply With Quote
Old 01-21-2018, 07:03 AM   #17
Bus Geek
 
EastCoastCB's Avatar
 
Join Date: Sep 2014
Location: Eustis FLORIDA
Posts: 20,173
Year: 1999
Coachwork: Thomas
Chassis: Freighliner FS65
Engine: Cat 3126
Rated Cap: 15
Quote:
Originally Posted by o1marc View Post
You need to be very careful on how you insure your bus or RV. Pulling the seats and throwing a mattress in the back does not constitute an RV, at least not with State Farm. It needs a running water, bathroom facilities of some sort, etc. I hate for someone to be involved in a accident and your insurance company telling you "Oh, this isn't what you described" and they don't cover the claim. Sure it's easy to pull the wool over the eyes of unsuspecting DMV or Insurance people to get you legal to go down the road, but you might find you shot yourself in the foot trying to skirt the correct way to do it.
Insurance is just a piece of paper. As soon as very many claims involving privately owned buses start getting noticed they'll either hike the rates all crazy or just stop covering buses.
This game we're all playing isn't forever, IMO.
__________________
.
Roll Your Own Build Thread
EastCoastCB is offline   Reply With Quote
Old 01-21-2018, 11:15 AM   #18
Bus Geek
 
Join Date: May 2016
Location: Eastern WA
Posts: 6,092
Year: 2002
Coachwork: Bluebird
Chassis: All American RE (A3RE)
Engine: Cummins ISC (8.3)
Rated Cap: 72
Check with your current insurance company.

I am with State Farm and they automatically cover new vehicles purchased for 14 days.

When I purchased my bus I sent my agent an email saying "I am purchasing a vehicle, Vin#1234455567, and wanted to confirm that I have newly acquired vehicle coverage."

They responded "Yes, you have 14 days."

I drove home, pulled the seats and took pictures showing that the seats were gone within the 14 days and got a commercial for personal use policy.
PNW_Steve is offline   Reply With Quote
Old 01-21-2018, 11:53 AM   #19
Bus Geek
 
Robin97396's Avatar
 
Join Date: Feb 2016
Location: Willamina, Oregon
Posts: 6,409
Coachwork: 97 Bluebird TC1000 5.9
OP, stop calling the insurance companies yourself. Get your phone book and look up a local independent insurance agent. Tell them you want a "commercial policy for private use."

Don't lie about anything to the insurance guys, but don't offer information they don't ask for either.

Specifically do not talk about conversion. If asked, for now it's just a van, which it is. In a couple years you can think about registering it as a MH/RV when you have it built that far, then at that time you'll change your insurance policy. For now the bus/van is just a truck unless you still have seats in it.

Remember; "Independent Insurance Agent" and "Commercial policy for private use" Let them do the policy search for you. Don't demand full coverage. Take the best deal they offer you.
__________________
Robin
Nobody's Business
Robin97396 is offline   Reply With Quote
Old 01-21-2018, 12:26 PM   #20
Bus Crazy
 
Join Date: May 2016
Location: Georgia
Posts: 1,878
Year: 2001
Coachwork: Blue Bird
Chassis: IH
Engine: T444E
Rated Cap: 14
Quote:
Originally Posted by Robin97396 View Post
OP, stop calling the insurance companies yourself. Get your phone book and look up a local independent insurance agent. Tell them you want a "commercial policy for private use."

Don't lie about anything to the insurance guys, but don't offer information they don't ask for either.

Specifically do not talk about conversion. If asked, for now it's just a van, which it is. In a couple years you can think about registering it as a MH/RV when you have it built that far, then at that time you'll change your insurance policy. For now the bus/van is just a truck unless you still have seats in it.

Remember; "Independent Insurance Agent" and "Commercial policy for private use" Let them do the policy search for you. Don't demand full coverage. Take the best deal they offer you.
*THIS* is exactly what I did, down to the letter. A few minutes later, I had Progressive Commercial under a "Commercial Vehicle for Personal Use" policy. I didn't even remove the seats in my bus. All I've done so far is remove the pedestrian bar and stop sign and some of the now-surplus wiring and antennas. The school district cut the wires for the flashy-lights.
Brad_SwiftFur is offline   Reply With Quote
Reply

Tags
e450, florida, insurance

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


» Featured Campgrounds

Reviews provided by

Powered by vBadvanced CMPS v3.2.3

All times are GMT -5. The time now is 11:50 PM.


Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2020, vBulletin Solutions, Inc.
×