 |
Re: [RC] Truck Ins and Over weight - Roger Rittenhousewell I asked that - it - an LQ horse trailer is still not considered a RV by most ins companies ... most look at it as livestock hauler not a RV camping trailer so the ins class is different. Some states have different tags for real RV trailer then the horse tailer. The trailer dealers sort of dont know or act dumb... its not their problem if you insure it wrong and tag it wrong.. they just sell trailers.. I called 4 trailer dealers and asked this question about ins and tags.. they said TN you must use the 'SEMI' tag it is not considered an RV. One dealer when asked about the over weight - told me it was not their business what you pulled it with or what the weight limits were. We went trailer looking to see if we should get a real legal lighter trailer -- a trailer with all the mfgr plates RIVA and light enough to haul 2 horses with all the stuff for a weekend ride - to not over load the truck limits. We did not care or the options. We did however find a great BP stock for get around trips .. -- And my trailer while a custom install of LQ is not RIVA plated --that also can cause problems with state DOT and some camp grounds..the home made LQ are not legal.. best not to call it one and not make permit gas or water connections. Everything must be removable. Progressive Ins will not insure ANY truck over a F450 1.5 ton plus as an RV UNLESS the state title and registration is listed as an RV or motorhome. To get the towing truck registered and insured and an RV you must have a RV conversion done. Problem is if the conversion to the truck to make it an RV is after market the VIN number is still listed as commercial unless you get the title classification changed. To get that done here in TN you MUST have the conversion done by a commercial conversion shop that will get it inspected and put on the proper RIVA plates etc and then get the title changed.. Example is the big truck rigs that pull race cars.. they are legal RVs. My big truck is a conversion based on an INT s1900 med duty truck chassis - it is a legal MH but not plated RIVA.. so I could still get a ticket for that. But the INS is RV and the TAG is 'joint' TN does not have a separate RV tag .. I asked the INS agent - independent agent - if they had any company that would look at the pickup truck F350 as a RV - NO.. same goes for the F450 - What was done just a few years ago is not legal today. They have changed the rules and insurance under writers are calling things what they are... how the state sees it in the registration and title. I have been beating this drum for the last year. It is a bit more complex then many think and the worst part is many do not have the correct insurance and can be dropped . I may just go back to a motorhome and BP trailer. They make some real nice class C rigs based on the F450 PSD - just keep the BP trailer to the correct weight and that thing will pull any where.. not sure IF you can get a 4x4 in that set up - dont see why not but I have not seen it advertised. r *********** REPLY SEPARATOR *********** On 8/29/2003 at 11:23 PM Becky Hackworth wrote: Roger, check in to RV insurance through an RV dealer. I read recently that the F650 was a medium Duty truck and was still classified as just that when used for RV pulling. Why would an LQ trailer with RIVA plate be any different!? Becky and the gang ----- Original Message ----- =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-= Ridecamp is a service of Endurance Net, http://www.endurance.net. Information, Policy, Disclaimer: http://www.endurance.net/Ridecamp Subscribe/Unsubscribe http://www.endurance.net/ridecamp/logon.asp Ride Long and Ride Safe!! =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
|