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hbjoe3

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We are sort of full timing, until our new S&S is completed. Our current insurance company is not comfortable with us "traipsing" around the country and will not let us renew. What companies are Full Timer friendly?

 

When I called my agent to find out why I could not renew she said underwriting does not trust people who are traipsing around the country.

 

Thanks,

Joe

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We have not nor did ever have this problem. From the very first we sought out those companies like Pole-Seek or Gilberts that are experts in RV insurance and will help you find an insurance company that will meet your needs.

 

I have learned that messing around with companies that do not do RV'ing or Full Timing (if that applies) as their primary business line willin most cases be more of a problem when a claim is placed.

 

Forums like this are a big help in locating these type of services.

 

Dave O

Full timer since 02

Living in motorhome since 96

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richfaa, they did ask where it was garaged, and that is the problem, no garage, until the S&Bs is completed. I did change my mailing address from CA to AZ, that caused the problem.

 

PM me if you want the company name.

 

Thanks for the information, I'll follow thru and hopefully solve this issue.

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It is more the companies want to know were it is "garaged" and if you are wandering around the country you are not "garaged " anywhere.

 

When we were fulltimers, we always used our mail forwarding address as our "garaged" address. As Dave O said, work with companies who are RV specialists and know about RVing and fulltiming in particular.

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We are sort of full timing, until our new S&S is completed. Our current insurance company is not comfortable with us "traipsing" around the country and will not let us renew. What companies are Full Timer friendly?

 

When I called my agent to find out why I could not renew she said underwriting does not trust people who are traipsing around the country.

Do you have a permanent physical address or where do you get your mail? I suspect that your problem is one of an address as state laws determine what you must have for a legal vehicle registration and driver's license and your insurance company requires the address used for insurance coverage to meet those legal requirements. If you don't have an address, no company will be able to insure you, no matter who you contact. There are numerous RV friendly insurance companies and agencies, but you will still need to have an acceptable address in order to get insurance. If "traipsing" means that you don't have an address, you won't be able to get insurance and your license and registration are probably not valid either. California does not accept a mail forwarding service as a legal address, nor do they accept a post office box. AZ is much the same on this issue. Might this be the issue that you are dealing with?

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I think you are on the right track about the change of address from CA. to AZ. I am told that CA is on the lookout for people trying beat the tax man and the insurnance bill by registering out of state. I have heard Colorado is another state that has and eye out for fraud.

I should have said this first, that I am not intimating that is what you are doing.

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We use National General......no problem without a residence.

 

Are you saying you don't have an address of any kind, even a mail forwarding address? One does not need a sticks and bricks "residence" (i.e., house, apartment, condo, etc.) in order to get insurance (again, depending on state laws...just one of the reasons TX, FL, & SD are popular with fulltimers).

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We sold the house in CA, I set up mail forwarding service to a AZ UPS store in the town we will be moving to when the house is done. I notified my RV and Car insurance companies of the address change. That is why the car insurance company will not allow me to renew. The RV company is OK with the change, I'll call them about car insurance.

 

Thanks everyone for your help.

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Hi all. After reading all of your replies, here's one for you! We are full timers. We are legal residents in NY. Our RV and toad are registered in Montana via an LLC (done by Bennett Law). Our RV has PRogressive NY insurance since we told them that it is garaged in NY. It hasn't been in that state for 2yrs. Our toad has Progressive insurance in Montana. Now Progressive wants us to tell them where the toad is "garaged" in Montana and prove it. We told them it goes whereever the RV goes. We do stay in AZ for the winter so it looks like we'll have to take our toad out of the LLC and register and insure it in AZ. This is not what we wanted to do because we'd have to use our friend's address?????? So, Progressive is making us use a fake address??? I guess I should tell them that the toad is garaged in NY too?? Any ideas or comments??

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Hi all. After reading all of your replies, here's one for you! We are full timers. We are legal residents in NY. Our RV and toad are registered in Montana via an LLC (done by Bennett Law). Our RV has PRogressive NY insurance since we told them that it is garaged in NY. It hasn't been in that state for 2yrs. Our toad has Progressive insurance in Montana. Now Progressive wants us to tell them where the toad is "garaged" in Montana and prove it. We told them it goes whereever the RV goes. We do stay in AZ for the winter so it looks like we'll have to take our toad out of the LLC and register and insure it in AZ. This is not what we wanted to do because we'd have to use our friend's address?????? So, Progressive is making us use a fake address??? I guess I should tell them that the toad is garaged in NY too?? Any ideas or comments??

 

 

You are one lucky dude. With the setup you described if you ever have an accident you can bet progressive will not pay off due to you misrepresenting where it is garaged. For the lesser rate? You deserve to be forced to register your vehicles in AZ and pay their rates for registration and other things.

 

I have absolutely no sympathy for you for finally getting caught trying to avoid your responsibilities.

 

Dave O

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Hi all. After reading all of your replies, here's one for you! We are full timers. We are legal residents in NY. Our RV and toad are registered in Montana via an LLC (done by Bennett Law). Our RV has PRogressive NY insurance since we told them that it is garaged in NY. It hasn't been in that state for 2yrs. Our toad has Progressive insurance in Montana. Now Progressive wants us to tell them where the toad is "garaged" in Montana and prove it. We told them it goes whereever the RV goes. We do stay in AZ for the winter so it looks like we'll have to take our toad out of the LLC and register and insure it in AZ. This is not what we wanted to do because we'd have to use our friend's address?????? So, Progressive is making us use a fake address??? I guess I should tell them that the toad is garaged in NY too?? Any ideas or comments??

 

Our MH is registered to our MT LLC and the address of record is the office of our registered agent. We use Action Services, but I'm sure Bennett's address would work fine.

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OP: You state you're using a UPS store address in Arizona. That might be your problem. A mail forwarding company giving you a street address would be a better idea.

 

You might try Miller Insurance 503-636-6347. They're in Oregon but you don't have to live in Oregon to utilize them. They handle many different insurance companies and they have no problem with full-timers. We used them for many years to find us the best prices.

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If you sold your house and are moving to AZ, then you should be purchasing AZ insurance. Your garage location will be the address where you are building the house. I am assuming that you do own some property in AZ to build on. Maybe not. Then you should use a mail forwarding service that give you a street address to use. Your garaged location will be that street address.

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Hi all. After reading all of your replies, here's one for you! We are full timers. We are legal residents in NY. Our RV and toad are registered in Montana via an LLC (done by Bennett Law). Our RV has PRogressive NY insurance since we told them that it is garaged in NY. It hasn't been in that state for 2yrs. Our toad has Progressive insurance in Montana. Now Progressive wants us to tell them where the toad is "garaged" in Montana and prove it. We told them it goes whereever the RV goes. We do stay in AZ for the winter so it looks like we'll have to take our toad out of the LLC and register and insure it in AZ. This is not what we wanted to do because we'd have to use our friend's address?????? So, Progressive is making us use a fake address??? I guess I should tell them that the toad is garaged in NY too?? Any ideas or comments??

First let me welcome you to the Escapees forums. As always, it is nice to have you join us and I do hope that we will be able to assist and support you in your adventures!

 

I suggest that you need to sit down with your insurance agent or your representative at Bennett Law Firm and discuss this situation with them. It sounds as though the problem is arising from the difference in addresses of the two policies. I would be right up front with them about exactly what you are doing and where you do business and such. Domicile can be a sensitive issue and is not just a place that you choose to claim but a legal issue that can require a court ruling in a dispute. You may find it helpful to read this article from Escapee Magazine about domicile issues. Progressive does underwrite insurance for fulltimers so honesty is the best policy and you sure do not want a future claim to be denied because of address issues. I believe that the insurance address is normally the same as the vehicle registration, or should be.

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Dear Dave O, thanks for being so nasty and quick to assume. Our situation just happend that way by happenstance and we didn't do it ON PURPOSE.

I thought the escapees group was supposed to be a helpful group of other full time RV'ers. Guess not. This will be my FIRST AND LAST time to ask for any help on these forums. Thanks for nothing.

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