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05-19-2020, 08:11 AM
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#1
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New Member
Join Date: Sep 2018
Posts: 4
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Insurance
So I just purchased a bus from Georgia I live in Michigan and I’m not sure what to do about insurance I’ve been calling but everyone I call doesn’t cover buses please help I have to pick the bus up next Tuesday
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05-19-2020, 08:33 AM
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#2
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Bus Nut
Join Date: Jun 2018
Location: Unity, NH
Posts: 447
Year: 2003
Coachwork: Bluebird
Chassis: International 3800
Engine: DT466E (195hp, 520tq)
Rated Cap: 29,000
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First off, welcome to the site. What insurance do you have now for your vehicles? I know that State Farm automatically covers newly purchased vehicles for 20 or 30 days. Not sure if other companies do the same thing. It would be worth a call to your agent to see.
BTW, what are you buying? Year, make, size, engine, tranny, etc....
__________________
Dave
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05-19-2020, 09:00 AM
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#3
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Bus Geek
Join Date: Sep 2014
Location: Eustis FLORIDA
Posts: 23,673
Year: 1999
Coachwork: Thomas
Chassis: Freighliner FS65
Engine: Cat 3126
Rated Cap: 15
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Quote:
Originally Posted by ermracing
First off, welcome to the site. What insurance do you have now for your vehicles? I know that State Farm automatically covers newly purchased vehicles for 20 or 30 days. Not sure if other companies do the same thing. It would be worth a call to your agent to see.
BTW, what are you buying? Year, make, size, engine, tranny, etc....
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I made that mistake but with USAA. Get it in writing if you're going to try and use your current coverage.
I was told over the phone by USAA that I'd be covered. I wasn't. My first bus in 2002... I got into a fender bender in rush hour in down town Orlando on a Friday. That toyota fender cost me $5000+. I was sued and paid it myself. Between student loads and that lawsuit I didn't have a penny for a few years.
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05-19-2020, 10:09 AM
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#4
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Bus Nut
Join Date: Feb 2014
Location: Cuyahoga Falls Ohio
Posts: 592
Year: 1997
Coachwork: Startrans
Chassis: Ford e-350 single wheel
Engine: 5.4 litre
Rated Cap: 12
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You don't tell them its a bus. I got my title changed to MH (motorhome) then told insurance company I want to insure my RV. Cheap and easy. Oh course this was in Ohio.
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05-19-2020, 10:23 AM
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#5
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Bus Nut
Join Date: Apr 2019
Location: Savannah GA
Posts: 756
Year: 2003
Coachwork: Bluebird
Chassis: TC2000
Engine: Cummins 5.9 24v
Rated Cap: 54 passenger
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Quote:
Originally Posted by leadsled01
You don't tell them its a bus. I got my title changed to MH (motorhome) then told insurance company I want to insure my RV. Cheap and easy. Oh course this was in Ohio.
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I think the issue is when you driving it home for the first time. it's not a converted title yet and it still has all the seats so it's technically a commercial bus.
When I bought my bus I bought a commercial insurance policy. It was outrageously expensive and I had to put $300 down.
I got the bus home two days later and cancelled the insurance and paid about 20 bucks total. Took a week to get my money back from the deposit.
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05-19-2020, 11:42 AM
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#6
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Bus Crazy
Join Date: Aug 2019
Location: Moved to Zealand!
Posts: 1,517
Year: 2002
Coachwork: Thomas
Chassis: Freightliner FS-65
Engine: 7.2L Cat 3126 turbo diesel
Rated Cap: 71 passenger 30,000 gvwr
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Quote:
Originally Posted by leadsled01
You don't tell them its a bus. I got my title changed to MH (motorhome) then told insurance company I want to insure my RV. Cheap and easy. Oh course this was in Ohio.
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I suspect that would only work with a cut-away-van like yours -- the vin says Van or truck chassis.
For full size buses the vin will show as 'bus' even after you change the title to RV or MH...
Maybe this varies by state as well...
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05-20-2020, 11:28 AM
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#7
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New Member
Join Date: Sep 2018
Posts: 4
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Quote:
Originally Posted by ermracing
First off, welcome to the site. What insurance do you have now for your vehicles? I know that State Farm automatically covers newly purchased vehicles for 20 or 30 days. Not sure if other companies do the same thing. It would be worth a call to your agent to see.
BTW, what are you buying? Year, make, size, engine, tranny, etc....
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Thank you for the information and the warm welcome .... it is a 2002 blue bird flat none front engine TC2000 5.9L Diesel, AT545 Allison trans 72 passenger
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05-20-2020, 11:30 AM
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#8
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New Member
Join Date: Sep 2018
Posts: 4
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Quote:
Originally Posted by EastCoastCB
I made that mistake but with USAA. Get it in writing if you're going to try and use your current coverage.
I was told over the phone by USAA that I'd be covered. I wasn't. My first bus in 2002... I got into a fender bender in rush hour in down town Orlando on a Friday. That toyota fender cost me $5000+. I was sued and paid it myself. Between student loads and that lawsuit I didn't have a penny for a few years.
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Thanks for the information
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05-20-2020, 11:31 AM
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#9
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New Member
Join Date: Sep 2018
Posts: 4
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Quote:
Originally Posted by JDSquared
I think the issue is when you driving it home for the first time. it's not a converted title yet and it still has all the seats so it's technically a commercial bus.
When I bought my bus I bought a commercial insurance policy. It was outrageously expensive and I had to put $300 down.
I got the bus home two days later and cancelled the insurance and paid about 20 bucks total. Took a week to get my money back from the deposit.
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Thanks for the information would you happen to remember the name of the company that you used
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