Originally Posted by fadderall
Hey 2martins, I have followed several of your posts and like the research you do. I used to live in Tahoe myself. South Lake Tahoe off of Rubicon Trail. Only a couple years but one of the greatest places on earth. Are you on the Nevada side? I read in one of your posts where you had a motorhome title from Oregon and registered in Nevada as motorhome. I am in Las Vegas so I am very interested in this process. So, when you did all the insurance work, did it not matter that it was registered as a motorhome? Was the commercial for personal use policy because they wouldn't do RV insurance? From what most people seem to be saying insurance only cares about VIN not how its registered. I am trying to get a policy in a hurry as I want to bring a bus up to Las Vegas from Arizona in the next couple days. I have USAA as well (30 years, home, auto, etc) and already went through the USAA-progressive-commercial-USAA loop with of course no result. To be honest, this is the first time they let me down. Great company and never had a problem with them. But, as soon as I mentioned bus/RV/personal commercial they just turned their back on me.
Did the NG commercial policy actually work? Do you still have that insurance or did they drop it after a few weeks like I keep hearing? Do you have a contact at National General Commercial? I would like to call them today.
Thanks and keep up the awesome transformation.
USAA doesn't do anything over 10k lbs.
I am with Progressive commercial. National General will, in theory, take care of me once it's converted. I got the progressive policy thru AIS after getting the right person on the phone (at least 3 tries). Below are my notes on insurance:
commercial policy for personal use - incl. bus conversions
pay in full 595 300K NO LIMIT individual items
they said no the first time because they thought it was converted because the seats were out, not true
772-4247 Marie Ruiz ext 78802 written with Progressive
Placed thru Silver Key Insurance Agency,
Underwritten by United Financial Casualty Company
should be fine til convert, then National General will do it once it’s self contained.
pics with basic, fake, conversion has worked for others, not recommended!
Best Options for post conversion:
AIS personal, not commercial and National General
balsiger emailed Kat 2/27 SHE FINALLY GOT BACK TO ME WITH A QUOTE.
skoolie insurance emailed Rochelle 2/27
TRIED AND FAILED WITH THE FOLLOWING:
USAA no over 10K GVWR
AAA don't do RVs by themselves said if I called back I might get someone else who knew how to do it.
at least one more vehicle non professionally converted unacceptable.
too big, commercial vehicle GVW excess 12K#
allstate David Hoopengardner (775) 831-3773 Marta will look seemed doubtful
tahoe insurance (775) 833-9600
carpenter insurance (775) 831-4446 Farmers Michael Payton (775) 831-6233
indep. insurance carson 775-499-5844
LP Insurance 775-996-6000 Dani left message
Sierra Insurance Assoc. Truckee
Menath no. would do commercial, not personal use
Alpine Insurance (775) 883-5000 Cynthia - left message
Nevada Insurance Carson 775-883-6666 Janet can call tomorrow.
Mary Jo with cover wallet don't do commercial for personal use
CAN REGISTER AS NON_OPERATIONAL when in storage or non operational SEE DMV website
From DMV website: There are no special registration requirements for non-commercial recreational vehicles. RVs
must meet pass emissions tests when required. You may need special driver license classes or endorsements for large
vehicles or multiple trailers. See Driver License Classes.
NRS 482.013 “Bus” defined. “Bus” means any motor vehicle designed for carrying more than 10
passengers and used for the transportation of persons, and every motor vehicle, other than a taxicab,
designed and used for transportation of persons for compensation.
(Added to NRS by 1965, 316)
NRS 482.1345 “Van conversion” defined. “Van conversion” means a vehicular-type unit originally
designed and manufactured as a van or enclosed truck, which is modified to be used for travel, camping
or recreational use, but which retains the basic silhouette of a van.
(Added to NRS by 1973, 230)
Note: The legal maximum width of a recreational vehicle is 102 inches excluding mirrors, lights and other devices
required for safety; and an awning and any hardware used to attach the awning, but it cannot extend beyond any
NRS 482.071 “Motor home” defined. “Motor home” means a structure:
1. Attached permanently to a self-propelled motor vehicle chassis;
2. Designed as a temporary dwelling for travel, recreational or camping use; and
3. When assembled for the road, has a maximum body width of 102 inches.
(Added to NRS by 1973, 229; A 2001, 1725)
RS 482.101 “Recreational vehicle” defined. “Recreational vehicle” means a vehicular-type unit
primarily designed as temporary living quarters for travel, recreational or camping use, which may be
self-propelled, mounted upon, or drawn by, a motor vehicle. The term includes a recreational park trailer.
(Added to NRS by 1973, 229, 1585; A 2001, 1726)
FEMA defines an RV:
A vehicle which is:
(a) Built on a single chassis;
(b) 400 square feet or less when measured at the largest horizontal projection;
(c) Designed to be self-propelled or permanently towable by a light duty truck; and
(d) Designed primarily not for use as a permanent dwelling but as temporary living quarters
for recreational, camping, travel, or seasonal use.
Recreation.gov defines an RV:
RecML, the recreation standard that is being developed, describes RV's as:
vehicles designed for providing lodging and meals while enjoying the outdoors, motor homes