Hi Everyone. Well, after 15 years the RV-Dreams Community Forum is coming to an end. Since it began in August 2005, we've had 58 Million page views, 124,000 posts, and we've spent about $15,000 to keep this valuable resource for RVers free and open. But since we are now off the road and have settled down for the next chapter of our lives, we are taking the Forum down effective June 30, 2021. It has been a tough decision, but it is now time.


We want to thank all of our members for their participation and input over the years, and we want to especially thank those that have acted as Moderators for us during our amazing journey living and traveling in our RV and growing the RV-Dreams Family. We will be forever proud to have been founders of this Forum and to have been supported by such a wonderful community. Thank you all!!

Members Login
Username 
 
Password 
    Remember Me  
RV-Dreams.com Home -> RV-Dreams Community Forum -> Community Chat -> Insurance - vehicle
Post Info TOPIC: Insurance - vehicle
sdman


RV-Dreams Family Member

Status: Offline
Posts: 117
Date:
Insurance - vehicle
Permalink  

We have a question about insuring the current car before we purchase the fiver and truck. Plan is to have SD drivers licence and address and still be in NJ after settlement on the house, settlement is in the next few weeks. We will stay with friends until we purchase and register the fiver and truck in SD as well as insure them there in SD. This will occur by the end of July this year. Question is do we change insurance and registration on our current vehicle to SD or keep it in NJ until we trade it for the truck to pull the fiver?



-- Edited by sdman on Friday 27th of April 2012 06:16:39 PM

__________________

Full Time Since August 4, 2012

2008 F-450 King Ranch 4x4 crew cab DRW

2013 Sanibel 3500 5er

Life is what happens to you while you're busy making other plans.

Mark & Patty

Our Blog: http://markandpattyrv.blogspot.com/
Neil and Connie


RV-Dreams Family Member

Status: Offline
Posts: 813
Date:
Permalink  

Ask your insurance company and see what they think I would say. Connie and I have already changed our residency and 1 car to SD but are still living at the house in VA (which is on sale as of yesterday). We'll register the 5ver and truck in SD but won't shift our insurance (USAA for the truck/car and Progressive for the trailer) to SD until we close on the house.



__________________
Terry and Jo


RV-Dreams Family Member

Status: Offline
Posts: 5399
Date:
Permalink  

Mark and Patty,

 

I'll agree to check with the insurance company.  I don't think there would be a problem with a separate vehicle, but once you get to where you get the truck and RV, it might change.  Each insurance company you check will need to be asked at least a couple of extra questions.  But even then, those extra questions may only apply to the RV and tow vehicle.

Some insurance companies will NOT cover your RV if you are living in it full time.  If you plan on full-timing, always ask that question.

Second, even if you aren't full-timers, ask if the insurance company requires that both the RV and the truck are insured "together" or not.  That does not mean that both are looked at as one unit, but that they want both covered under the same policy.

There have been some in the past that mentioned that their insurance companies would not cover the tow vehicle or toad (in the case of motorhomes) if they weren't together.

Terry



__________________

Terry and Jo

2010 Mobile Suites 38TKSB3
2008 Ford F450
2019 Ford Expedition Max as Tag-along or Scout

Our photos on Smugmug
53 Merc


RV-Dreams Family Member

Status: Offline
Posts: 642
Date:
Permalink  

Howard did a lot of research on insurance once, and as usual, it was exhaustive and well written. do a search and look at the threads generated.

__________________
Ken and Fran 2006 Sunnybrook F250 SD CC PSD
rvingft


RV-Dreams Family Member

Status: Offline
Posts: 128
Date:
Permalink  

You may want to call an insurance agent who is also an RVer - preferably a full-time RVer. We recently changed agents to such a person .... who we found on a blog written by yet another full-time RVer.

They are licensed in many - but not all states, and can probably give you some quick answers at the least or a complete quote with information you provide. She was able to answer my immediate questions before we purchased our vehicle and then give us a detailed quote via email.

Her name is Chris Yust - and you can reach her at CRYust@gmail.com or 936-425-5041.

__________________

Terry & Candace  RVingFT@Gmail.com

1994 Tiffin Allegro Bay DP

Working FT as mobile hearing technicians

 
Page 1 of 1  sorted by
 
Quick Reply

Please log in to post quick replies.
RV-Dreams.com Home -> RV-Dreams Community Forum -> Community Chat -> Insurance - vehicle
Tweet this page Post to Digg Post to Del.icio.us