CSteveM Posted January 17, 2019 Report Share Posted January 17, 2019 Does anyone have insurance on an HDT that's titled as an RV in the state of Alabama? My State Farm agent is beyond clueless when it comes to my Volvo and RV. I would like to talk to an agent that is familiar with our trucks Steve 2012 VNL630 2010 DRV 36RLS Link to comment Share on other sites More sharing options...
SWharton Posted January 17, 2019 Report Share Posted January 17, 2019 Contact FCIS 800-331-1520 Miller 800-622-6347 Both are very knowledgable about he RV world. Link to comment Share on other sites More sharing options...
jkoenig24 Posted January 17, 2019 Report Share Posted January 17, 2019 A second vote for FCIS. They're based in Iowa but, got my Super-C HDT which is registered in SD covered by Progressive through FCIS. My sales rep is Josh Pagel, 800-331-1520 (general #, ask for sales). I did everything over the phone or online. I now have my RV, Prius, Featherlite car trailer and an Umbrella policy with progressive for two+ years. I've been very happy with the service FCIS provides. Link to comment Share on other sites More sharing options...
bockofma Posted January 17, 2019 Report Share Posted January 17, 2019 Good morning, Steve. Times three... Bob Isbell <BIsbell@fcisinsurance.com> Regards, Michael 2007 Volvo VNL 670 2007 NuWa HitchHiker Champagne Link to comment Share on other sites More sharing options...
staffnon Posted January 17, 2019 Report Share Posted January 17, 2019 As for State Farm in Alabama the agent should be able to look in the Commercial Truck section and narrow down the search to HDT and or Toter Home. If not then he calls the head office since they do insure your type of truck. he has to get to the right section and then the sub section. the words HDT toter or toterhome helps a lot Side note: if you get a quote on your truck and fiver, check other places as noted in other posts. A separate agent/broker can shop around were as a agent is regulated to the company he/she works for. Link to comment Share on other sites More sharing options...
CSteveM Posted January 17, 2019 Author Report Share Posted January 17, 2019 Thanks to all for the suggestions I am talking to FCIS now As to State Farm its the "head office" that seems to be the question. I would have thought they could do exactly as staffnon said. I have established insurance with them now but they have said they were not going to renew - trying to work this out with them. Link to comment Share on other sites More sharing options...
beemergary Posted January 18, 2019 Report Share Posted January 18, 2019 I have State Farm in Michigan and have an antique plate. Only says on title its an 1984 Peterbilt. I just have a declared value cause its restored like new. I had Gulfway before but there a 1000 mi. away and State Farm 20 mi. and more declared value for same price. No luck with them before till I contacted a different agent. Link to comment Share on other sites More sharing options...
ThelazyFarmer Posted January 18, 2019 Report Share Posted January 18, 2019 My State farm agent said that they insure it as a private passenger vehicle. Farmer, Trucker, Equipment operator, Mechanic Quando omni flunkus moritati-When all else fails, play dead I'm a man, but I can change, if I have to, I guess. Link to comment Share on other sites More sharing options...
adept99 Posted January 18, 2019 Report Share Posted January 18, 2019 Miller and FCIS can both insure. BE SURE TO ASK ABOUT BOBTAILING COVERAGE AND CARRYING A SMART IF APPROPRIATE. Paul & Paula + Daisy the amazing wiggle worm dog... 2001 Volvo 770 Autoshift, Singled, w/ Aluminum Bed - Toy Draggin 2013 395AMP XLR Thunderbolt Toy Hauler 2013 Smart Passion 2012 CanAm Spyder RT 2013 Harley Davidson Street Glide Link to comment Share on other sites More sharing options...
RickW Posted January 18, 2019 Report Share Posted January 18, 2019 Keep in mind that insurance will vary by state. State Farm will insure an HDT in some states but not all. In Texas for example, State Farm will only insure a HDT as a commercial vehicle. Your agent will submit your request for insurance to an under writer. If the under writer will give very few if any details as to why they will not insure or why they will only insure under "X" terms/conditions. My State Farm agent could not understand why the under writers would say only as a commercial account (even with RV title) and would press them with little to no answers as to why. After a little over 18 months she finally learned it was a charter issue with the state. State Farm has been selling insurance for so long in the state that when they drafted their charter they considered anything over 30k or 32k pounds commercial. The process of changing the charter was too pricy for the amount of market share they may gain by making the changes to the charter. So they do not insure big RVs as a result. 2017 Entegra Anthem 44A SOLD - 2004 Volvo 780. 465hp and 10sp Auto Shift (from 2010~2017) SOLD - 2009 Montana 3400RL Link to comment Share on other sites More sharing options...
CSteveM Posted January 21, 2019 Author Report Share Posted January 21, 2019 Paul Thanks for the suggestion about bobtailing. FCIS has told me that they will only cover the truck when I am pulling the trailer, when refueling and travelling for service. So wouldn't cover our typical 10 trips to Walmart or any other side trips. I have asked if they have anyone other than Progressive Specialty underwriting the policies that don't have that restriction. Link to comment Share on other sites More sharing options...
Steve from SoCal Posted January 21, 2019 Report Share Posted January 21, 2019 I use Shelter Insurance, in Kansas I can use it as I like, tow anything. https://www.shelterinsurance.com/ Steve 2005 Peterbilt 387-112 Baby Cat 9 speed U-shift 1996/2016 remod Teton Royal Atlanta 1996 Kentucky 48 single drop stacker garage project Pulls like a train, sounds like a plane....faster than a Cheetah sniffin cocaine. Link to comment Share on other sites More sharing options...
Star Dreamer Posted January 21, 2019 Report Share Posted January 21, 2019 We have State Farm but did it when we lived in MN. The move to SC took a few discussions with both the old and new agent to get it worked out. BMzero use to live in Alabama but not sure who he used or if he still frequents this forum since he sold his HDT and moved to Utah. 2005 Freightliner Century S/T, Singled, Air ride ET Jr. hitch 2019 46'+ Dune Sport Man Cave custom 5th wheel toy hauler Owner of the 1978 Custom Van "Star Dreamer" which might be seen at a local car show near you! Check out http://www.hhrvresource.com/ for much more info on HDT's. Link to comment Share on other sites More sharing options...
SWharton Posted January 21, 2019 Report Share Posted January 21, 2019 I am very surprised at FCIS, try Miller Miller 800-622-6347 Link to comment Share on other sites More sharing options...
ThelazyFarmer Posted January 22, 2019 Report Share Posted January 22, 2019 15 hours ago, SWharton said: I am very surprised at FCIS, try Miller Miller 800-622-6347 Miller told me the same thing. No bobtailing. Farmer, Trucker, Equipment operator, Mechanic Quando omni flunkus moritati-When all else fails, play dead I'm a man, but I can change, if I have to, I guess. Link to comment Share on other sites More sharing options...
COFLTravler Posted January 22, 2019 Report Share Posted January 22, 2019 Has anyone ever seen in their policy about no Bobtailing versus just a verbal statement? 2014 HDT Volvo 780 "Baby Bird"2016 Smart Car "Baby Bird Turd" - on the back2020 Momentum 376THSWe're both proud USAF Retirees... Link to comment Share on other sites More sharing options...
rickeieio Posted January 22, 2019 Report Share Posted January 22, 2019 57 minutes ago, jenandjon said: Miller told me the same thing. No bobtailing. Same here. It's probable that this varies state to state. Miller's price was good, but not with the restrictions stated. We have Progressive, through Lazy Days RV. I can bob tail all I want, and pull any trailer, so long as it's not in commercial use. KW T-680, POPEMOBILE Newmar X-Aire, VATICAN Lots of old motorcycles, Moto Guzzi Griso and Spyder F3 currently in the front row Young enough to play in the dirt as a retired farmer. contact me at rickeieio@yahoo.com Link to comment Share on other sites More sharing options...
CSteveM Posted January 23, 2019 Author Report Share Posted January 23, 2019 Thanks to all who offered suggestions. When talking to FCIS they also checked with National General and they have the same restrictions Good news though - I got word yesterday that State Farm had decided to renew my current policy for the Volvo. Insured as an RV and no restrictions. Had to send pictures of inside/outside of the Volvo plus my DRV also a copy of the insurance policy for the DRV. I still don't understand the logic behind the restrictions from Progressive and National regarding bob tailing. Link to comment Share on other sites More sharing options...
SWharton Posted January 23, 2019 Report Share Posted January 23, 2019 I wonder if you answered some innocent question "wrong" and it raised red flags. I never heard of anyone having problems with getting HDT insurance before, though I don't follow the HDT threads often. Link to comment Share on other sites More sharing options...
JRP Posted January 23, 2019 Report Share Posted January 23, 2019 SWharton, Its been a frequent subject here over the last several years. Insurance Underwriters have gotten much more selective in what they're willing to insure. It varies company to company, they each have their own conditions & restrictions. It varies state to state, each state regulates insurance slightly differently and the underwriters take that into consideration when doing their risk assessment. and yes it matters how you answer some of their questions, but misleading them upfront can result in denial of coverage later. Before I sold my HDT, I had it insured through Miller with National Interstate, but NI would only insure an HDT if it was singled, no tandems. Although I had several other vehicles & homes insured by State Farm, they wanted nothing to do with my HDT. Jim Link to comment Share on other sites More sharing options...
SWharton Posted January 23, 2019 Report Share Posted January 23, 2019 We had ours insured by Allied(Nationwide) but that was several years ago. We are now on the dark side with a MH. Link to comment Share on other sites More sharing options...
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