Reply
 
Thread Tools Display Modes
 
Old 05-19-2020, 07:11 AM   #1
New Member
 
Join Date: Sep 2018
Posts: 4
Insurance

So I just purchased a bus from Georgia I live in Michigan and Iím not sure what to do about insurance Iíve been calling but everyone I call doesnít cover buses please help I have to pick the bus up next Tuesday
LewieDidIt is offline   Reply With Quote
Old 05-19-2020, 07:33 AM   #2
Bus Nut
 
ermracing's Avatar
 
Join Date: Jun 2018
Location: Unity, NH
Posts: 435
Year: 2003
Coachwork: Bluebird
Chassis: International 3800
Engine: DT466E (195hp, 520tq)
Rated Cap: 29,000
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
ermracing is offline   Reply With Quote
Old 05-19-2020, 08:00 AM   #3
Bus Geek
 
EastCoastCB's Avatar
 
Join Date: Sep 2014
Location: Eustis FLORIDA
Posts: 21,430
Year: 1999
Coachwork: Thomas
Chassis: Freighliner FS65
Engine: Cat 3126
Rated Cap: 15
Quote:
Originally Posted by ermracing View Post
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....
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.
__________________
.
Roll Your Own Build Thread
EastCoastCB is offline   Reply With Quote
Old 05-19-2020, 09:09 AM   #4
Bus Nut
 
Join Date: Feb 2014
Location: Cuyahoga Falls Ohio
Posts: 586
Year: 1997
Coachwork: Startrans
Chassis: Ford e-350 single wheel
Engine: 5.4 litre
Rated Cap: 12
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.
leadsled01 is offline   Reply With Quote
Old 05-19-2020, 09:23 AM   #5
Bus Nut
 
Join Date: Apr 2019
Location: Savannah GA
Posts: 600
Year: 2003
Coachwork: Bluebird
Chassis: TC2000
Engine: Cummins 5.9 24v
Rated Cap: 54 passenger
Quote:
Originally Posted by leadsled01 View Post
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.
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.
JDSquared is offline   Reply With Quote
Old 05-19-2020, 10:42 AM   #6
Bus Crazy
 
banman's Avatar
 
Join Date: Aug 2019
Location: Ohio
Posts: 1,182
Year: 2002
Coachwork: Thomas
Chassis: Freightliner FS-65
Engine: 7.2L Cat 3126 turbo diesel
Rated Cap: 71 passenger 30,000 gvwr
Quote:
Originally Posted by leadsled01 View Post
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.
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...
__________________
David

The Murder Bus
banman is offline   Reply With Quote
Old 05-20-2020, 10:28 AM   #7
New Member
 
Join Date: Sep 2018
Posts: 4
Quote:
Originally Posted by ermracing View Post
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....
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
LewieDidIt is offline   Reply With Quote
Old 05-20-2020, 10:30 AM   #8
New Member
 
Join Date: Sep 2018
Posts: 4
Quote:
Originally Posted by EastCoastCB View Post
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.
Thanks for the information
LewieDidIt is offline   Reply With Quote
Old 05-20-2020, 10:31 AM   #9
New Member
 
Join Date: Sep 2018
Posts: 4
Quote:
Originally Posted by JDSquared View Post
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.
Thanks for the information would you happen to remember the name of the company that you used
LewieDidIt is offline   Reply With Quote
Reply

Tags
insurance coverage

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 01:05 PM.


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