Leni Posted February 27 Report Share Posted February 27 HI MY NAME IS LENIUSKA, i live in florida, my husband and I we have a HDT that we are trying to get the titles converted in a motorhome but when i check the requirements they say i can not put a fifth wheel on the back. There is any conversion that allows me to put the fifth wheel ? Also the insurance is a problem i have been trying to put insurance on my HDT but they say is a comercial trucks so the offer me comercial insurance. My question is how i can use my HDT to pull my fifth wheel and not having to pay comercial insurance? Or how can i register my truck for personal use so i can pull my fifth wheel. Quote Link to comment Share on other sites More sharing options...
GlennWest Posted February 27 Report Share Posted February 27 One can get commercial insurance for non commercial use. It is reasonable and gives one more flexibility of usage. This is about the only legal way I know of in Florida. You can register it in another state. Some have done that. Quote Link to comment Share on other sites More sharing options...
noteven Posted February 27 Report Share Posted February 27 Hi Leni - welcome My truck is insured in Canada - like Glenn said I have a "commercial" policy that reflects the weight and use of the truck for personal/rv purpose. The truck is valued 2X what my pickup is but costs about 65% of the pickup's premium. Quote Link to comment Share on other sites More sharing options...
Leni Posted February 27 Author Report Share Posted February 27 But for the comercial policy you need to have CDL class A to drive it and also the truck need to have DOT number? Quote Link to comment Share on other sites More sharing options...
GlennWest Posted February 27 Report Share Posted February 27 Know one on here, Phil, has a commercial non commercial use policy thru State Farm. Quote Link to comment Share on other sites More sharing options...
GlennWest Posted February 27 Report Share Posted February 27 (edited) 6 minutes ago, Leni said: But for the comercial policy you need to have CDL class A to drive it and also the truck need to have DOT number? Not in Texas. It is for non commercial use. Should not be in Florida either. If you get a commercial policy for commercial use, yes. Some states register duallys commercial. Not uncommon. Only if it is used commercially will it need DOT and you cdl Edited February 27 by GlennWest Quote Link to comment Share on other sites More sharing options...
Leni Posted February 27 Author Report Share Posted February 27 Can someone gift me the information of any insurance so i can call them Quote Link to comment Share on other sites More sharing options...
Jaydrvr Posted February 27 Report Share Posted February 27 7 minutes ago, Leni said: Can someone gift me the information of any insurance so i can call them Try Progressive. Jay Quote Link to comment Share on other sites More sharing options...
Leni Posted February 27 Author Report Share Posted February 27 I tried they ask me for dot number for the truck Quote Link to comment Share on other sites More sharing options...
GlennWest Posted February 27 Report Share Posted February 27 1 minute ago, Leni said: I tried they ask me for dot number for the truck Did you tell them it for for non commercial use? Quote Link to comment Share on other sites More sharing options...
Leni Posted February 27 Author Report Share Posted February 27 Yes Quote Link to comment Share on other sites More sharing options...
GlennWest Posted February 27 Report Share Posted February 27 2 minutes ago, Leni said: Yes I would call someone else. Insurance companies don't care how it is registered. Just how it is used. My buddy Phil has his registered as a MH and commercial non commercial use policy thru State Farm Quote Link to comment Share on other sites More sharing options...
usbusin Posted February 27 Report Share Posted February 27 I am sure someone will chime in here, but my understanding is that Florida does not allow a private party HDT to pull a 5th wheel trailer. Quote Link to comment Share on other sites More sharing options...
Jaydrvr Posted February 27 Report Share Posted February 27 5 minutes ago, usbusin said: I am sure someone will chime in here, but my understanding is that Florida does not allow a private party HDT to pull a 5th wheel trailer. That is correct, but only for an RV. You can register it as a private truck, but that's significantly more than an RV would be. Jay Quote Link to comment Share on other sites More sharing options...
Leni Posted February 27 Author Report Share Posted February 27 As Jack stated, Florida will NOT allow you to register your tractor as a motorhome. Our Kenworth was a fully equipped (kitchen/ bathroom w/shower/ full sized bed, etc) tractor with 170" of living quarters exactly like a small Class C type motorhome inside. But as long as the fifth wheel (or a gooseneck) hitch was attached to the tractor and the intent was to pull a fifth wheel RV or gooseneck type of trailer, it could not be legally registered within Florida. Not to say that a person could not temporarily remove the hitch, register the tractor as a "motorhome" and then replace the hitch afterwards and then run illegally with it. For us, the risk were to great! I will scan and post the Florida documents pertaining to this given to us by DMV and which clearly define this restriction. So, we currently run under a Florida registration which classifies our Volvo as a type "RMR" vehicle, and because we registered the GCVWR at less than 55K are not required to pay the Heavy Highway Use Tax which runs about $550.00/ year. Our annual plate (sticker) renewal will run slightly more than $300/year. If you find a better deal to legally register your tractor/toter, please share it as we too would be interested. Someone put this here on this site but i haven't be able to contact him. I don't know what RMR means and i look for it but nothing came up Quote Link to comment Share on other sites More sharing options...
GlennWest Posted February 27 Report Share Posted February 27 Florida is a tough one. Do a search on here. There has been a lot of posting on this. Fact is you will not get it registered as a MH with a fifth wheel hitch. But I see no need to insure it as commercial. Quote Link to comment Share on other sites More sharing options...
Jack Mayer Posted February 27 Report Share Posted February 27 The best reason to insure as commercial - depending on your circumstances - is to avoid restrictions in use. You also get base liability of $1M, but there are other ways to handle that. Quote Link to comment Share on other sites More sharing options...
Leni Posted February 27 Author Report Share Posted February 27 I don't want it as a motorhome but the not comercial insurance i can't find it. I need an insurance company Quote Link to comment Share on other sites More sharing options...
GlennWest Posted February 27 Report Share Posted February 27 5 minutes ago, Leni said: I don't want it as a motorhome but the not comercial insurance i can't find it. I need an insurance company Tried State Farm? Know they offer it. Big5ther, aka Phil, uses them Quote Link to comment Share on other sites More sharing options...
Leni Posted February 27 Author Report Share Posted February 27 I did it but have to be single axel Quote Link to comment Share on other sites More sharing options...
Leni Posted February 27 Author Report Share Posted February 27 I did it but have to be single axel Quote Link to comment Share on other sites More sharing options...
Leni Posted February 27 Author Report Share Posted February 27 Thanks everyone for the help Quote Link to comment Share on other sites More sharing options...
lappir Posted February 28 Report Share Posted February 28 Sent you a PM with another suggestion. Rod ps. LLC Quote Link to comment Share on other sites More sharing options...
genecolleen Posted February 28 Report Share Posted February 28 Leni, you have to register truck non commercial with weight of truck and trailer. We are Fla residents. He will have to have CDL lic. I had never been in an HDT. I went thru 90 day cdl course at local votech school. Best thing I ever did. We have truck, Rv and smart insured thru National general. Quote Link to comment Share on other sites More sharing options...
Leni Posted February 28 Author Report Share Posted February 28 Is your truck double axle on the back? Quote Link to comment Share on other sites More sharing options...
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