| Author |
Message |
Gelecamion (Gelecamion)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 06, 2005 - 8:55 pm: | |
Hi bus nuts girls and guys I live here in tucson and i need to get a good insurance with the tree b ( buena, bonita , barata)
with means good , pretty, and cheap this is a joke in the mexical culture that applies to the hired help in the house it has to be buena bonita y barato and it has to be at least 23 years old and not older that 30 jajaj
going back to the subject at hand i need a good insurance and I need all the steps because i got rv amerixca and they wanted like 1400 a year and i think that was really expensive
So please if some body can guide me please
the bus is a 1954 gmc pd 4104 4068
than k you again !!!!! |
jimmci9 #2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 06, 2005 - 9:12 pm: | |
liability only in texas on a 1959 4104.... good driving record... male 46 non-smoker.... $218/yr Progressive |
Star Dust
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 06, 2005 - 9:13 pm: | |
Hi Amigo
I live up here in phoenix ,az . I use progressive ins. for less than 200 a year for libality.. Have a 1960 4104.. If you are not doing anything on the weekend of of 1/21 thru 1/24 /05 there is a Western Gm ralley in quartize ,az that weekend everyone welcome last year there was 75 coaches good time for all. |
Gelecamion (Gelecamion)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 06, 2005 - 10:14 pm: | |
yes i know i might go with out the 4104 but it is really busy for me now becaouse gem show is coming to town
thank you
if you have time later give me a call
or send pictures of your 4104
mine is brown now but thinking of chanching color soon im new at this and i want the best rate so i can spend money on the bus now
mine cell no is 520 591 9445
thank you i will call progressive tomorrow!!!!
\ |
DOug Wotring
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 06, 2005 - 10:14 pm: | |
358.00 full coverage State Farm...includes towing |
James Maxwell (Jmaxwell)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 06, 2005 - 10:42 pm: | |
In CA, if u are a regular customer of State Farm, they will write u liability on it. If ure not an established customer, they probably won't write u. I understand the same goes for AAA and Allstate. Otherwise you have GM thru Good Sam and another major that currently slips my mind.
I have State Farm for full covrage on both my buses but then, they have nearly all of my insurance business and I have been with them for 47 yrs. For me, no-one else could even come close to them |
Star Dust
Rating: N/A
Votes: 0 (Vote!) | | Posted on Saturday, January 08, 2005 - 8:49 pm: | |
Hi Amagio
send me your e-mail address and will sent you a pic of my 04 . Fred from Phoenix..
stardustcoach@msn.com
later |
Geobus (4108gmc)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, January 11, 2005 - 9:15 pm: | |
I just went a few laps with my agent. It started that I wanted to get emergency rd service, which isn't offered on my commercial Progressive plan. The none commercial policy had road service but the comm. policy didn't. My point, I was clearly told, by my agent and another agency, that if I had any one in my coach that was related to business, I had to have a commercial policy, ouch. The non-commercial policy won't cover you. Because I often have to supply a cert. of insurance at places I work I had to stay with the commercial policy. It costs nearly 2 or 3 time more and no road service. So, I joined Family Motor Coach for the road service, which cost $240 for three years and about $35 yr for the membership. It seems pretty good. Is it too good to be true? Well, I probably won't find out until I call to use it. Knock on wood hopefully I won't ever need to call them.
Thanks and have a great day. |
FAST FRED
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, January 12, 2005 - 5:46 am: | |
FMCA road service will work for a motorhome ONLY ,
not much use for a charter bus.
FAST FRED |
Geobus (4108gmc)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, January 12, 2005 - 11:29 am: | |
I guess I am confussed. Does Gelecamion need charter insurance? My coach is a full RV conversion. I registered with FMCA as a motorhome, per their requirements. At times, I conduct business out of it because I am a consultant. Because I do business in my coach I am required to have commercial insurance. Unless your conversion is only for pleasure (100%) or the state you live in has different insurance requirements, I think it would be wise to have a commercial policy if you do any business in your coach. I am guessing anyone who has a charter has even greater requirements.
Have a great day. |
Gelecamion (Gelecamion)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, January 12, 2005 - 4:20 pm: | |
it is a motorhome not a carter bus it would be for mine enjoiment only i do not work out of the bus
thank you for oall the input
gelecamion or gerardo i need a better name
help
adios amigos !!!! |
niles steckbauer (Niles500)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, January 12, 2005 - 4:44 pm: | |
Guys -
If you live in your bus - or travel in it and casually conduct business on the road as opposed to travel in your bus ONLY for business (as in carnivals or conventions etc.) ..... say as an accountant ....... if you merely do paperwork , such as take home work ....... you are not necessarily conducting a business out of your bus - questions to ask are ; Is there any advertising or identification on the bus itself? , Does your business have a physical location (traveling salespersons business address is the wharehouse or home office they work out of) that is the primary licensed business location ? , Do you deduct or get reimbursed for travel expenses or any costs related to your bus ? - Do any employees or 'sub-contractors travel with you in your bus ? - Do you transport any products or business materials in your bus ? - If yes to any of the above then you should have a commercial policy ... possibly in addition or adjunctive to your primary insurance policy, and the bus would NOT be considered NON-COMMERCIAL - or a MOTORHOME/RV - but if you merely bring work HOME while traveling on the road it would be the same as having a HOME OFFICE in a house and not a commercial use - Just My Opinion -
Niles (not an attorney) |
FAST FRED
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 13, 2005 - 5:50 am: | |
" Because I often have to supply a cert. of insurance at places I work I had to stay with the commercial policy".
Most folks will accept the cert that you get with ANY insurance policy that shows your legally insured.
What makes these folks need a COMERCIAL cert , rather than the std.insurance proof that most carry in the bus?
FAST FRED |
Doug Dickinson (Dougd470)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 13, 2005 - 10:12 am: | |
In the insurance business, all is fine - until you have a claim. Then the fun starts. Insurance companies have no problem telling you things and collecting premiums, but when the claim happens, they want to find a way out of paying it.
What this brings us to is that when someone conducts business from a vehicle, it changes the character of the vehicle use from personal to business. This can flip-flop back and forth every day depending on what is happening. If a loss were to occur when the coach is being used for business, the usual "business exclusion clause" that you find in most personal use insurance policies kicks in. The coverage is null and the owner is now on the hook big-time.
Each policy is a little different. You need to read any particular policy to see what it really does or does not cover. What the agent tells you is not to be trusted - he/she will often tell you what you want to hear to sell a policy. Read it for yourself and learn.
As for proof of insurance issues, you may have to prove valid insurance in some circumstances. If you are bringing an RV on someone's property to conduct business from it, they could easily require a commercial policy. The reason is as above - if the policy is wrong for the aplication - there is not insurance coverage - just a nice litigation opportunity and guess who will loose?
Read and know. It's the only way to protect yourself. You can't even trust attorneys to tell you the whole story. They too are not experts in every field. What I say above is a general statement that is affected in each state by their own insurance rules. Again - read and know!
Doug
St Louis MC9 |
niles steckbauer (Niles500)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 13, 2005 - 12:40 pm: | |
Doug os absolutely correct about the reading part - If you can read and comprehend the english language you do not need to rely on the agent, your cousin or an attorney to TELL you what the coverages are - You may need to ask them a question or 2 on certain matters - Please know the difference between words like 'may' and 'shall' - easily 3/4 of the litigation in this country is due to individuals NOT taking the time to read and understand contracts, leases, licenses, etc...., before they sign on the dotted line or hand over cash - When people bash the legal system , Judges, Jurors, and Attorneys - We must remember that we are the Plaintiffs, Defendants, Jurors and Electors that we are compaining about - An Attorney cannot file suit with an UNWILLING Plaintiff - It is amazing how people only look at their contracts AFTER an incident has occured -
Niles (the only DECENT Attorney is YOUR Attorney) |
Geobus (4108gmc)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 13, 2005 - 12:54 pm: | |
Well put guys. |
Tom Caffrey (Pvcces)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 13, 2005 - 10:49 pm: | |
Something else to be aware of is the fact that it makes a difference whether you are using a broker or buying directly from a company's agent.
If you buy from a broker, he is supposed to represent you. In that case, if you buy the wrong insurance, you file a claim against the broker, because he is supposed to be representing you.
If you buy from a company's agent, and the agent fouls up selling you a policy so that your coverage is no good, then you make your claim against the company, and it's possible that the company may have to make good on the agent's mistake.
Overall, we have had poorer luck getting a claim paid where we have a broker than buying directly from a company, but we have been able to buy hard to get insurance easier with a broker.
We have been with State Farm for everything that they will insure us for and have had very good service, but they won't cover us for everything that we want.
For what it's worth.
Tom Caffrey PD4106-2576
Suncatcher |
Doug Dickinson (Dougd470)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 14, 2005 - 3:38 pm: | |
Tom and Niles have good points. Regarding the "broker" - you need to fully understand the differences between a broker and an independant insurance agent. A broker is a person that, for a fee you pay directly to them, acts as your agent to negotiate and purchase insurance. You specify what you want and they find the company and policy you want.
An independant insurance agent is exactly that - an agent of the insurance company - although probably not an employee of one. The independant insurance agent is paid by the insurance company - not you directly as a fee for services. Their mission is to provide you with the coverage you want, sell you a policy that makes them the most money, and stay out of jail, although not necessairily in that order. Make sure you understand the differences as some independant agents portray themselves as brokers, when they are not. Most are honest, and a few are - well - less than honest about things. I have heard some sage advice from some, and tall tales from others.
In the commercial world, a broker is used by large companies as the coverage is quite complicated, and the premiums are quite high (many millions for our company). We pay a substantial fee to brokers for services they provide in finding solid companies to insure us, and negotiating policy coverages (which are variable compared to a consumer insurance policy). Don't expect to really find a true broker for a consumer policy.
BTW - a specialized agent can be of particular help in circumstances like our coaches. RVAA is a specialized agent (and I suspect there are others) that has multiple insurance companies to represent. They have a particular knowledge of converted coaches (a niche market) and have obtained insurance for me when it has been otherwise difficult. (I called Progressive and they didn't insure bus conversions, but RVAA has the ability to write a policy specifically for a bus conversion with Progressive - an incomplete coach at that). On this board I have heard of people that have (tongue in cheek) "explained" the coach in a slightly different light to obtain insurance or get a lower premium cost. This is dangerous! You could find yourself uninsured at the time of an accident. See my above post.
I am not involved with any insurance company other than as a customer and I talk about RVAA only because I have utilized them. This is not an endorsement.
My $0.02
Doug
St Louis MC9 |