RV News RVBusiness 2021 Top 10 RVs of the Year, plus 56 additional debuts and must-see units → ×
 
 


Reply
 
Thread Tools Search this Thread Display Modes
 
Old 11-17-2009, 09:02 PM   #1
jarajohn
Junior Member
 
Join Date: Feb 2007
Posts: 4
Medium Duty Insurance classifications

In negotiations with insurance co's have any of you had the insurance co's rate your medium duty's as commercial trucks? Have you convinced them that they are not commercial, only pleasure vehicles ?? I'm going toe to toe with Geico right now on a RV puller that I have insured as a pleasure vehicle for ten years and suddenly they wish to call it commercial because of it size.
Would appreciate your comments
__________________

jarajohn is offline   Reply With Quote
Old 11-18-2009, 10:46 AM   #2
Huck
Senior Member
 
Join Date: May 2007
Location: Bouse, Az./Franklin,Pa.
Posts: 252
Send a message via ICQ to Huck
What state are you registered in?

All states seem to be different...

I'm registered in PA, and they go by gross weight. Com. or non com.
__________________

__________________
Huck & Dodie
2005 RE3 MS #2163
2006 F-350 CC 4X4
Huck is offline   Reply With Quote
Old 11-18-2009, 12:30 PM   #3
LindaH
Member
 
Join Date: Nov 2006
Location: Spokane, WA/Brenda, AZ
Posts: 45
We used to have an MDT insured in both Texas and then South Dakota. As I recall, it was classified as a motorhome for insurance purposes...I know it was not classified as a commercial vehicle.
__________________
LindaH
2007 Excel Classic 30RKE
2009 Eagle Cap 950 Camper
2007 Dodge Ram 3500
https://earl-linda.blogspot.com
LindaH is offline   Reply With Quote
Old 11-18-2009, 04:55 PM   #4
BillA
Member
 
Join Date: Aug 2009
Location: Houston, Tx
Posts: 47
You might try an independent agency that specializes in RV insurance such as Miller Insurance (800-622-6347). You most likely will have to insure both truck and trailer with the same company and the combination will be cateorized as an RV.
__________________
Bill & Ann Anderson
2010 Elite 38RS4 (On order)
2007 Freightliner M2-106 Chariot Conversion
BillA is offline   Reply With Quote
Old 11-18-2009, 06:47 PM   #5
hitchup
Senior Member
 
Join Date: Jan 2006
Location: Currently: working on the road
Posts: 770
Keep Shopping.

When I called Progressive a few years before we had gone FT, they would only classify our F350 SD as commercial. So we went with GEICO.

But the F450 is considered an RV. Our coverage is through AON Rec (can't remember their new name), using Progressive or Nat'l Ins.
__________________
2014 Mobile Suite Estates 38RSB - custom home
2014 F450 KR CC 4x4 ...... his office
2015 Lance 1172 - traveling Motel (solar and generator)
Working Fulltimers since 3/2005
hitchup is offline   Reply With Quote
Old 11-18-2009, 07:16 PM   #6
Motor31
Senior Member
 
Join Date: May 2005
Posts: 2,130
Call Farm & City Insurance Services. They are a broker and they have tons of experience with RV's and large tow vehicles. They have saved me a bunch of money and we use a HDT for a tow vehicle.

www.rvadvantage.com 800-331-1520

Trese Hallit is the RV expert, she is knowledgeable and very easy to talk to.
__________________
Mike Nancy and the fuzzies
Fulltiming since June 2004
Volvo 660 MH tow vehicle
2005 MS 38RL
2007 Saturn Ion "toad"
2010 Gold Wing "piggyback"
Motor31 is offline   Reply With Quote
Old 11-18-2009, 08:00 PM   #7
jarajohn
Junior Member
 
Join Date: Feb 2007
Posts: 4
Thanks for your replies. We had been registered in Oregon but have now moved to Florida. I will give Geico one more day and then will call as suggested. Also have noted 4 or 5 advertisements in the Escapees Mag. that I can also try. Thanks for the help
jarajohn is offline   Reply With Quote
Old 11-20-2009, 10:02 AM   #8
LindaH
Member
 
Join Date: Nov 2006
Location: Spokane, WA/Brenda, AZ
Posts: 45
Quote:
Originally Posted by hitchup
When I called Progressive a few years before we had gone FT, they would only classify our F350 SD as commercial.
Either you talked to the wrong people, or something has changed.

We have a 1-ton insured with Progressive and it is not insured as a commercial vehicle.
__________________
LindaH
2007 Excel Classic 30RKE
2009 Eagle Cap 950 Camper
2007 Dodge Ram 3500
https://earl-linda.blogspot.com
LindaH is offline   Reply With Quote
Old 11-22-2009, 08:21 AM   #9
hitchup
Senior Member
 
Join Date: Jan 2006
Location: Currently: working on the road
Posts: 770
Quote:
Originally Posted by LindaH
Quote:
Originally Posted by hitchup
When I called Progressive a few years before we had gone FT, they would only classify our F350 SD as commercial.
Either you talked to the wrong people, or something has changed.

We have a 1-ton insured with Progressive and it is not insured as a commercial vehicle.
Linda, I see the same issue pop up on other forums a few times a year. What broker you work with and if you're a FTer may make some of the difference.

We weren't FT and DH took his F350 to work everyday. So they couldn't write me a policy and transfered the call to their commercial division.

He still drives the F450 to work everyday, but they classify it as an RV because it's an MDT. When we had a Chevy 3500, they wrote a standard vehicle policy as FTer's and driving to jobsite everyday. BTW: The F450 policy is cheaper than the 3500 was.
__________________
2014 Mobile Suite Estates 38RSB - custom home
2014 F450 KR CC 4x4 ...... his office
2015 Lance 1172 - traveling Motel (solar and generator)
Working Fulltimers since 3/2005
hitchup is offline   Reply With Quote
Old 11-22-2009, 09:38 AM   #10
wingnut60
Site Team
 
Join Date: Sep 2005
Location: Where we park it
Posts: 2,785
Tow vehicle insurance

Even tho many ins companies can write policies in several/many states, it doesn't mean that what you can do in WA is the same in ME--insurance is a state-by-state regulated business. It took a lot of insistence to get my 450 insured by MetLife in TX as a regular truck for 'pleasure' use only, mainly because they had no listings for it in the computer--the VIN would not come up when they entered it.
Keep looking around, and try the recommended companies who are already familiar with RV tow vehicles.
Joe
__________________
2016 Tiffin 40 QBH
2015 38RSSA, traded
2005 TK3 #1869, 10 yrs of memories,
2017 F450 KR--one more Ford is it
2009 F450 4x4-died; 2010 F450-retired
wingnut60 is offline   Reply With Quote
Old 11-22-2009, 09:53 AM   #11
LindaH
Member
 
Join Date: Nov 2006
Location: Spokane, WA/Brenda, AZ
Posts: 45
Quote:
Originally Posted by hitchup
Linda, I see the same issue pop up on other forums a few times a year. What broker you work with and if you're a FTer may make some of the difference.
We are fulltimers; however, we do not work with a broker...we deal directly with Progressive.
__________________
LindaH
2007 Excel Classic 30RKE
2009 Eagle Cap 950 Camper
2007 Dodge Ram 3500
https://earl-linda.blogspot.com
LindaH is offline   Reply With Quote
Old 11-22-2009, 10:19 AM   #12
wingnut60
Site Team
 
Join Date: Sep 2005
Location: Where we park it
Posts: 2,785
insurance

Linda,
What has been your experience with Progressive on claims, if you have had any?
Joe
__________________
2016 Tiffin 40 QBH
2015 38RSSA, traded
2005 TK3 #1869, 10 yrs of memories,
2017 F450 KR--one more Ford is it
2009 F450 4x4-died; 2010 F450-retired
wingnut60 is offline   Reply With Quote
Old 12-07-2009, 11:31 PM   #13
MDTdriver
Senior Member
 
Join Date: Jun 2005
Location: Ca. winter/USA summer
Posts: 233
MDT

We have had an International 4700 insured by Explorer Agency (888-7746-6778) for 5 years for RV use only. We are reg. in Wi. and drive it with a car license, they also cover my 5th wheel and Honda which we pull.

Larry & Kathy and Meeko who love the 32 temp
__________________
Fulltime June 2000 SK#82498
Our Home is Where we Park IT
International 4700 Low Profile 530 power:Full Air Ride
Prowler Regal AX6 :Trail Air pin box/spring over axle: Verizon internet: 2 Verizon cell phone
MDTdriver is offline   Reply With Quote
Old 12-08-2009, 08:59 AM   #14
LindaH
Member
 
Join Date: Nov 2006
Location: Spokane, WA/Brenda, AZ
Posts: 45
Re: insurance

Quote:
Originally Posted by wingnut60
Linda,
What has been your experience with Progressive on claims, if you have had any?
Joe
We've never had any claims, fortunately (knock on wood).
__________________
LindaH
2007 Excel Classic 30RKE
2009 Eagle Cap 950 Camper
2007 Dodge Ram 3500
https://earl-linda.blogspot.com
LindaH is offline   Reply With Quote
Old 12-08-2009, 10:37 AM   #15
hitchup
Senior Member
 
Join Date: Jan 2006
Location: Currently: working on the road
Posts: 770
Re: insurance

Quote:
Originally Posted by LindaH
Quote:
Originally Posted by wingnut60
Linda,
What has been your experience with Progressive on claims, if you have had any?
Joe
We've never had any claims, fortunately (knock on wood).
My son has had a couple of dealings. If I were to just go off of those, we probably wouldn't have gone with Progressive. But reading other FTer's favorable experiences and considering the cost was quite a bit lower, we switched from Nat'l Interstate to Progressive on both our F450 and MS.

NI was much easier to deal with twice in accidents and we may change back in the future. But for now we prefer to keep it at Zero claims.....
__________________
2014 Mobile Suite Estates 38RSB - custom home
2014 F450 KR CC 4x4 ...... his office
2015 Lance 1172 - traveling Motel (solar and generator)
Working Fulltimers since 3/2005
hitchup is offline   Reply With Quote
Old 10-10-2010, 02:03 PM   #16
BobW
Senior Member
 
Join Date: May 2006
Location: Welches Oregon
Posts: 523
I have been with State Farm for 30 years. All they wanted from me was the photo of the hitch. They wanted to make sure I had a RV hitch and not a commercial hitch. Makes a big difference.
__________________
Bob and Kate Weigant
Welches Oregon
Elite 2006 36TK3
2007 M2 Freightliner
2005 Wrangler
In a land of the blind, the one eyed guy is king.
BobW is offline   Reply With Quote
Old 09-26-2013, 08:12 PM   #17
MDTdriver
Senior Member
 
Join Date: Jun 2005
Location: Ca. winter/USA summer
Posts: 233
Insurance on MDT

It has been a few years since posting on this forum, still driving my 4700 and same insurance co. Since 2004 no claims. They only take trucks over 12,000lbs. Have fun on your travels, we are going strong.
__________________

__________________
Fulltime June 2000 SK#82498
Our Home is Where we Park IT
International 4700 Low Profile 530 power:Full Air Ride
Prowler Regal AX6 :Trail Air pin box/spring over axle: Verizon internet: 2 Verizon cell phone
MDTdriver is offline   Reply With Quote
Reply

Thread Tools Search this Thread
Search this Thread:

Advanced Search
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

Forum Jump

» Featured Campgrounds

Reviews provided by

Powered by vBadvanced CMPS v3.2.3

All times are GMT -5. The time now is 11:57 AM.


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