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Old 12-23-2016, 12:50 PM   #1
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Live in Mass, purchased from New York

We live in Mass (don't ask why), and purchased from a dealer in NY. Our insurance company is saying the dealer has to fill out a form, so that they are listed as a dealer in Mass, or else we would have to pay tax on the MSRP, and not the purchase price, of the coach we just took delivery on. We did not finance it, or else apparently the dealer in NY would have simply collected the tax and sent it to where it needs to go. Anyone run into this issue???? We are aware of the RMV1 Form, which is being filled out, but I haven't seen the form which the dealer apparently fills out to be listed as a dealer in another state, in this case, Mass. The dealer is unaware of it also, so our insurance agent is supposed to be getting us the form. ???????????????????
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Old 12-24-2016, 06:37 AM   #2
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Not sure why the insurance company should care as long as it is registered in your home state. Here in Delaware they always honor the sales receipt to figure out the tax due on your purchase.
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Old 12-24-2016, 08:48 AM   #3
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Born and raised in MA-Go Pats! Look at this https://www.massrmv.com/Registration...rPurchase.aspx its for a vehicle but may help. We bought our MH in Albany and had to jump thru several hoops before we could pick it up. The COA was a hangup with the MH we had to provide one for the chassis(Ford) and one from FR. Our insurance agent tried but eventually I had to go over the whole process with the Registry. Dealer collected sales tax on sale price and refunded it when we showed up with plates to pick it up. And despite all the rigamole it was worth it.
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Old 12-24-2016, 02:01 PM   #4
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We're filling that very for out, but I think there's more to it than that. Hope to wrap it up soon. Just like the Pats
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Old 12-24-2016, 02:23 PM   #5
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I don't understand why the insurance company would give a hoot about sales tax.
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Old 12-24-2016, 02:44 PM   #6
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Originally Posted by Dylanfreak View Post
We live in Mass (don't ask why), and purchased from a dealer in NY. Our insurance company is saying the dealer has to fill out a form, so that they are listed as a dealer in Mass, or else we would have to pay tax on the MSRP, and not the purchase price, of the coach we just took delivery on. We did not finance it, or else apparently the dealer in NY would have simply collected the tax and sent it to where it needs to go. Anyone run into this issue???? We are aware of the RMV1 Form, which is being filled out, but I haven't seen the form which the dealer apparently fills out to be listed as a dealer in another state, in this case, Mass. The dealer is unaware of it also, so our insurance agent is supposed to be getting us the form. ???????????????????
Have no idea why your insurance company is getting involved, since taxation is NOT their jurisdiction. Sounds like they want an established value, and are telling you what they want. That on the side, "if" MA has what is called reciprocity with NY, then any taxes paid to NY are credited against your MA liability. However, its important to ask the NY dealer if they have tax registration with MA. Otherwise, theNY tax collected on the transaction is not an offset against your MA sales tax. As long as you have that covered, you're in the drivers seat tax wise. The DMV docs are what ever the registering dealer needs to get it titled properly.
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Old 12-24-2016, 03:59 PM   #7
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Also, it doesn't matter what the MSRP was or how much you actually paid for it; once you drive it off the lot it's USED and they'd go to a blue book like NADA Guides, to determine current value.
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Old 12-24-2016, 09:01 PM   #8
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Read the link posted. It is the insurance company that completes the registration and title information.

When I registered my new trailer in Indiana both the sales price and MSRP were used by motor vehicles. The first for sales tax and the second for personal property tax. I bought my trailer in Ohio. Every state is different.


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Old 12-25-2016, 02:01 PM   #9
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Don't know if this still the case but I believe your insurance company is correct........ran into the same problem when we purchased our new 2014 Flagstaff 27RLWS out of Albany NY a few years ago and we live in MA.
Make a long story short we ended up paying the tax the MA RMV valued it at............not the MSRP. (Big deal, only a few dollars less!)
Oh ya, we where also informed it's not a "sales tax" because the trailer was not purchased in MA but it's considered a "usage tax".
Oh and don't let the selling dealer in New York take collect your "sales tax" money...that starts a whole other "cluster" when you try to register it back in MA.
Only in MA!
And the only good thing is we still where able to use it as a tax deduction.
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Old 12-25-2016, 03:26 PM   #10
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insurance co shouldn't have anything to say or do about sales tax, if you paid cash for your rv you Don't have to have insurance, then what. Liability only for a motorhome. there are states where you can register without sales tax.
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Old 12-25-2016, 03:49 PM   #11
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We purchased our 3170DS from a dealer in Ct. We live in NY (don't ask why). No sales tax was charged at delivery. When we registered the coach in NY, we brought the paperwork from the CT dealer and paid NY sales tax on our purchase price. Ins company (Progressive) didn't care where we bought it.
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Old 12-25-2016, 05:49 PM   #12
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I live in Illinois and bought my TT in Wisconsin. Illinois sales tax is 6.25%; Wisconsin is 5%. The dealer added 5% sales tax to my price. He then completed an Illinois tax form showing that I paid 5% in Wisconsin and that I owed the difference of 1.25% (i.e., 6.25% - 5%) to Illinois. When I registered the TT, I gave them the form and paid the additional 1.25%.

Insurance company was totally un-involved.
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Old 12-26-2016, 10:11 AM   #13
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Quote:
Originally Posted by ronzo101 View Post
Don't know if this still the case but I believe your insurance company is correct........ran into the same problem when we purchased our new 2014 Flagstaff 27RLWS out of Albany NY a few years ago and we live in MA.
Make a long story short we ended up paying the tax the MA RMV valued it at............not the MSRP. (Big deal, only a few dollars less!)
Oh ya, we where also informed it's not a "sales tax" because the trailer was not purchased in MA but it's considered a "usage tax".
Oh and don't let the selling dealer in New York take collect your "sales tax" money...that starts a whole other "cluster" when you try to register it back in MA.
Only in MA!
And the only good thing is we still where able to use it as a tax deduction.
The "reason" you owed a use tax is because no sale was transacted in MA, but rather in NY. This is the general rule in ALL states that have a sales tax. The use tax becomes due upon physical entry into that state (i.e. MA is this example) at the rate where you reside or domiciled. Most states, but not all have tax reciprocity agreements to give credit for sales taxes paid to that state. However, as the one poster mentioned, mitigate the "cluster" by being proactive in your questions regarding same, at time of purchase. Don't ask me why I know!
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Old 12-27-2016, 11:05 AM   #14
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call another insurance co if less trouble change cant understand why the ins co is involved in TAXES
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Old 12-27-2016, 11:19 AM   #15
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call another insurance co if less trouble change cant understand why the ins co is involved in TAXES
Ya that a new one I never heard of. Lived in a lot of states never ran into this before. Later RJD
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Old 12-27-2016, 11:27 AM   #16
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Here in Massachusetts, taxes for vehicle purchases are paid when the vehicle is registered. This is to prevent someone from going to a nearby tax free state, buying a car then just bringing it home or trying to skip sales tax when buying through a private party. Unless you pay the tax at the time of registration or can prove you paid the tax elsewhere by submitting that form, the vehicle can't be registered in Massachusetts. Insurance and registration go hand in hand. You can't have one without the other here.
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Old 12-27-2016, 02:26 PM   #17
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call another insurance co if less trouble change cant understand why the ins co is involved in TAXES
As Tim said you cant register without insurance so first stop is the insurance agent for proof of insurance. Now because the Registry was such a Black Hole for the average working joe most agents have runners that go to the Registry for you. So the agent would have all the paper work with your signature and the checks necessary for fees and taxes and send the runner to the Registry after work you pick up your plates and paperwork. Massachusetts the one and only
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