Help me get my bus home.

[2martins]

Originally Posted by o1marc

More than enough time to get it home to start working on it. Using BOS for 7 days means I don't have to worry about either of those to get her home. Then worry about what stage to be at for some sort of legal insurance and tag.

I could have done this, but I could not get the temporary permit from Oregon without proof of insurance, and the driving on the BOS wasn't gonna work. I wanted to do the whole thing legally. B

[cadillackid]

I have state farm for 2 cars and a house.. when i got my FIRST bus years ago they covered it because it was licensed as a passenger vehicle beuing under 26k GVWR and less than 15 seats..

when I got my DEV bus. they wouldnt insure it because it was considered commercial even with an RV title..

Progressive Commercial will insure them as long as they stay busses.. they said if you convert it then you cannot insure it with them.. (thats in Ohio).. bith of my busses are still busses with at least some seats (in the DEV). (all seats in redbyrd).. DEV has a motorhome title but progressive still insures it because its still a bus.. if I converted it then id have to go to another provider..
-Christopher

[o1marc]

Originally Posted by 2martins

I could have done this, but I could not get the temporary permit from Oregon without proof of insurance, and the driving on the BOS wasn't gonna work. I wanted to do the whole thing legally. B

Insurance and registration are not connected. You have to have the insurance in order to get a registration. Why can you not get insurance first, for whatever they want to call it at the time (bus, RV, etc.) Get insurance, get a temp tag, drive it home. Why wasn't driving on BOS not work? Not legal in Ore.?

[o1marc]

I had a thought that some of you may be shy about getting an up front policy for a temporary period, due to the cost of a 6 month policy when you probably won't need that that long. It's easy to get a "Commercial for personal use" policy for a reasonable price. If you can sign up for monthly payments you can pay like 2 months and then a monthly which you can cancel after you get it home. Then after conversion get the appropriate title and insurance.

[2martins]

Proof of insurance is required to get the movement permit in Oregon, and the bill of sale and proof of insurance on ANOTHER vehicle (which is what driving on the BOS home is) is not considered proof of insurance.

Originally Posted by o1marc

Insurance and registration are not connected. You have to have the insurance in order to get a registration. Why can you not get insurance first, for whatever they want to call it at the time (bus, RV, etc.) Get insurance, get a temp tag, drive it home. Why wasn't driving on BOS not work? Not legal in Ore.?

[o1marc]

Originally Posted by 2martins

Proof of insurance is required to get the movement permit in Oregon, and the bill of sale and proof of insurance on ANOTHER vehicle (which is what driving on the BOS home is) is not considered proof of insurance.

I'm insured through State Farm, I'm covered for 30 days in any new vehicles. If I get pulled over I show the cop my current insurance card that covers me in any new vehicles. I show him a bill of sale from with in the last 48 hours and I'm down the road. Many people get temp tags when they don't need them because they are covered for a certain period. Check your insurance policy, maybe it's different than here.

[2martins]

Originally Posted by o1marc

I'm insured through State Farm, I'm covered for 30 days in any new vehicles. If I get pulled over I show the cop my current insurance card that covers me in any new vehicles. I show him a bill of sale from with in the last 48 hours and I'm down the road. Many people get temp tags when they don't need them because they are covered for a certain period. Check your insurance policy, maybe it's different than here.

I needed a movement permit as it didn't have plates and the permit the previous owners had at some point had expired.

[Grease&gravel]

Got it done! Thanks for all of the advice.


[IMG][/IMG]

[2martins]

Originally Posted by 2martins

I needed a movement permit as it didn't have plates and the permit the previous owners had at some point had expired.

You need plates or a temporary tag even if you have insurance. Those are completely different DMV regulations.

[pansey05]

Try progressive, i got a 5 day transit policy thru them

[superken]

I am with ais and insured liability for $80 a year ($215 for all three of my vehicles). They just get insured as an rv. The only difference once you finish the dmv registration it will legally be an RV. Also remember AAA’s roadside service for $40extra a year. They will tow that thing 500 miles a year. I have had mine towed twice consecutively to get it 200 miles in one sitting and they have no problem. Good luck

[Nomadusa]

I just got my 96 international Thomas insured with progressive commercial as a handy man in commercial vehicle non business

[Grease&gravel]

Originally Posted by superken

I am with ais and insured liability for $80 a year ($215 for all three of my vehicles). They just get insured as an rv. The only difference once you finish the dmv registration it will legally be an RV. Also remember AAA’s roadside service for $40extra a year. They will tow that thing 500 miles a year. I have had mine towed twice consecutively to get it 200 miles in one sitting and they have no problem. Good luck

I sent in a quote with AIS but they never contacted me.

[pansey05]

We told them we were converting to a motor home, had no problem, did it as a rv

Originally Posted by Grease&gravel

I found a bus and I'm going to buy it on Monday.

I'm trying to get insurance so that I can get it home. I can switch it later after it's converted I just want to be legal on the way home.

I just called progressive and said that I had a bus with the seats removed to use for hauling hay to my farm. They said they can't insurance something that has been modified. What do I say to get it insurance for personal use? What do I say that the use is?

Oh and its in SC too.

[American Trekker]

It can be difficult to impossible to find an insurance company who'll cover a 'school bus'. But you won't be driving kids to and from school will you? If you're not, it won't be a school bus anymore, but I assume you're going to use it as an RV. You won't have any trouble insuring an RV, a popular insurance company covers me just fine. So I don't have a Ford B600 school bus, I have a Ford make, Wayne model RV. The Wayne name appears on a small placard inside the bus identifying the coach builder, and yours should too. Or use your own name if you want, you're the final builder on it, aren't you? Carve yourself a little plaque and screw it to your bus if you want to make it official.

Others have pointed out that you don't want to misrepresent your vehicle in case you're in an accident, and you shouldn't. But you don't have to represent it in a way that you know they'll reject, do you? Give them what they want in terms of make, model, year, and serial number. 'Model' being what you have made it and use it for.

Face it, the main reason for insurance is so you can drive it legally. No cop is going to give you a big ticket for driving without insurance when you present them with your valid proof of insurance. And I do not believe your insurance company can refuse to pay for an accident if it's your fault if you have a valid contract with them, though they might try and might need to be sued by the opposing insurance company. If you think this might be a big deal for you, talk to an attorney about it first.

However I would not carry any comprehensive insurance unless it was through a company that did fully understand the history of your bus from its inception to your modifications of it, complete with photos and some hardcopy proof that they knew it. So the best way I think to get there if you do want comprehensive insurance is to start off with one company without it, get your bus home and fixed up, and before you put it on the road again seek out another insurance company who'll take your business. Which ought to be way easier because one of the first questions they'll ask you is if it's already insured! That tells them someone else already assumed the risk so it lowers the bar for them to be convinced you didn't pull some piece of junk out of a salvage yard and might be putting them at a high liability risk.

[Versatile]

A real way to get gong is find just about any company that will insure you and buy from them. They will bleed you for a couple months and the you change insurance to a good company that wants to steal you away and will give you a great rate. Getting it home with Ins is just having proof of auto insurance. By law you have 30 days.

[Beckybus]

My auto insurer told me I was covered for a certain amount of time on new purchases. Call your current insurance company and I bet you’ll have the same coverage. Good luck!

[HazMatt]

Originally Posted by American Trekker

It can be difficult to impossible to find an insurance company who'll cover a 'school bus'. But you won't be driving kids to and from school will you? If you're not, it won't be a school bus anymore, but I assume you're going to use it as an RV. You won't have any trouble insuring an RV, a popular insurance company covers me just fine. So I don't have a Ford B600 school bus, I have a Ford make, Wayne model RV. The Wayne name appears on a small placard inside the bus identifying the coach builder, and yours should too. Or use your own name if you want, you're the final builder on it, aren't you? Carve yourself a little plaque and screw it to your bus if you want to make it official.

Others have pointed out that you don't want to misrepresent your vehicle in case you're in an accident, and you shouldn't. But you don't have to represent it in a way that you know they'll reject, do you? Give them what they want in terms of make, model, year, and serial number. 'Model' being what you have made it and use it for.

Face it, the main reason for insurance is so you can drive it legally. No cop is going to give you a big ticket for driving without insurance when you present them with your valid proof of insurance. And I do not believe your insurance company can refuse to pay for an accident if it's your fault if you have a valid contract with them, though they might try and might need to be sued by the opposing insurance company. If you think this might be a big deal for you, talk to an attorney about it first.

However I would not carry any comprehensive insurance unless it was through a company that did fully understand the history of your bus from its inception to your modifications of it, complete with photos and some hardcopy proof that they knew it. So the best way I think to get there if you do want comprehensive insurance is to start off with one company without it, get your bus home and fixed up, and before you put it on the road again seek out another insurance company who'll take your business. Which ought to be way easier because one of the first questions they'll ask you is if it's already insured! That tells them someone else already assumed the risk so it lowers the bar for them to be convinced you didn't pull some piece of junk out of a salvage yard and might be putting them at a high liability risk.

What a cogent, well reasoned, and thought out reply! I think that I may well have moved from NH way too soon...

[Studio19]

So I am understanding the insurance part, but how do I deal with no plates getting a bus back that I just bought?

[sutphinins]

Originally Posted by Studio19

So I am understanding the insurance part, but how do I deal with no plates getting a bus back that I just bought?

Check with your state's DMV, there might be a trip permit you can get.