Toterhome insurance - Page 2

Greg Hill · 03-18-2019, 09:00 PM

I added mine to my auto insurance last year and saved a bunch of money. My auto and home owners is with Auto Owners which I’ve had two home owners claims and they were great.

KevinMelhorn · 03-19-2019, 03:45 PM

Hey Jim , question I’m from Ohio have my United freightliner motorhome pulling 26 stacker , registered as MH on home policy thru Erie insurance very reasonable . Because I’m seeing these latest threads on dot cracking down on rigs like we are using out of state , it looks like we will be forced to obtain Dot # , Ifta fuel tax sticker an CDL liscense - medical card which I’m fortunate to already have because of my previous job . That being said , they are saying this is a business because of payouts even though I don’t claim anything or run as business an Dot requires a business insurance . So are we or should we change the insurance policy to a business policy or as long as we carry the required amount will this satisfy them ? I’m sure the insurance will be much more costly if I call ask for that over the private MH insurance I currently have ? The fines I’ve been hearing about , I can’t take a chance on that , sounds like it would exhaust the racing budget an park a fellow for a year financially .
Thanks Kevin

SSDiv6 · 03-19-2019, 09:39 PM

Quote:

Originally Posted by KevinMelhorn

Hey Jim , question I’m from Ohio have my United freightliner motorhome pulling 26 stacker , registered as MH on home policy thru Erie insurance very reasonable . Because I’m seeing these latest threads on dot cracking down on rigs like we are using out of state , it looks like we will be forced to obtain Dot # , Ifta fuel tax sticker an CDL liscense - medical card which I’m fortunate to already have because of my previous job . That being said , they are saying this is a business because of payouts even though I don’t claim anything or run as business an Dot requires a business insurance . So are we or should we change the insurance policy to a business policy or as long as we carry the required amount will this satisfy them ? I’m sure the insurance will be much more costly if I call ask for that over the private MH insurance I currently have ? The fines I’ve been hearing about , I can’t take a chance on that , sounds like it would exhaust the racing budget an park a fellow for a year financially .
Thanks Kevin

Kevin,

Read the article in the attached link:

https://www.motorists.org/issues/other/dot-numbering/

JWhalen58 · 03-19-2019, 10:39 PM

Not familiar with Ohio insurance laws but I wouldn't think so. You want to stay away from any DOT numbers, log books, etc. As long as we can keep them licensed as RV's that should be the case.

03-18-2019, 09:00 PM	#11
Greg Hill VIP Member Join Date: May 2006 Location: Louisville , KY Posts: 1,995 Likes: 68 Liked 279 Times in 68 Posts	Re: Toterhome insurance I added mine to my auto insurance last year and saved a bunch of money. My auto and home owners is with Auto Owners which I’ve had two home owners claims and they were great. __________________ Greg Hill 4171 STK

03-19-2019, 03:45 PM	#12
KevinMelhorn Junior Member Join Date: Dec 2010 Location: Salineville , Ohio Posts: 39 Likes: 69 Liked 2 Times in 2 Posts	Re: Toterhome insurance Hey Jim , question I’m from Ohio have my United freightliner motorhome pulling 26 stacker , registered as MH on home policy thru Erie insurance very reasonable . Because I’m seeing these latest threads on dot cracking down on rigs like we are using out of state , it looks like we will be forced to obtain Dot # , Ifta fuel tax sticker an CDL liscense - medical card which I’m fortunate to already have because of my previous job . That being said , they are saying this is a business because of payouts even though I don’t claim anything or run as business an Dot requires a business insurance . So are we or should we change the insurance policy to a business policy or as long as we carry the required amount will this satisfy them ? I’m sure the insurance will be much more costly if I call ask for that over the private MH insurance I currently have ? The fines I’ve been hearing about , I can’t take a chance on that , sounds like it would exhaust the racing budget an park a fellow for a year financially . Thanks Kevin __________________ Kevin Melhorn

03-19-2019, 10:39 PM	#14
JWhalen58 Member Join Date: Aug 2010 Posts: 110 Likes: 7 Liked 117 Times in 21 Posts	Re: Toterhome insurance Not familiar with Ohio insurance laws but I wouldn't think so. You want to stay away from any DOT numbers, log books, etc. As long as we can keep them licensed as RV's that should be the case.