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04-18-2016, 06:55 PM
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#1
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Member
Join Date: Feb 2012
Location: Smyrna, Tennessee
Posts: 35
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When do I have to have Insurance?
Picking up new Wildcat Friday April 22. When do I have to have insurance by? When you buy a car you have three days to get insurance switched over how does it work on a fifth wheel? Can you even get insurance until you sign the papers? tried searching but can'r fined any clarity. Thank for all your help.
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04-18-2016, 07:13 PM
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#2
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Member
Join Date: Jan 2016
Location: NE Ohio
Posts: 77
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I pick up my trailer Wed and I've got insurance set to start that day. The stealership wanted policy info prior to the delivery date. I'd say call your dealer and insurance company.
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04-18-2016, 07:14 PM
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#3
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Georgia Rally Coordinator
Join Date: Jun 2015
Location: GA
Posts: 24,469
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If you call you insurance company they will put the insurance in effect when picked up or before. Later RJD
__________________
2020 Shasta Phoenix SPF 27RKSS (sold)
2018 Dodge Ram 2500 6.4 3:73 gearing.(sold) (sold) 2015 Chevy 2500 6.0, 4:10
Traded 2015 30WRLIKS V-Lite
Days camped 2019 62
Days camped 2020 49 days camped 2021-74 2022-40 days 2023 5 days
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04-18-2016, 07:56 PM
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#4
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Senior Member
Join Date: Apr 2016
Location: Middle Ga
Posts: 426
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When I bought my TT, the dealer wanted a letter from insurance company showing policy effective that day. One quick call, that was all. 5 mins later, all done.
Mike
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04-18-2016, 08:12 PM
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#5
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Member
Join Date: May 2015
Posts: 97
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With my insurance i had 30 days to get the insurance company the info i just gave the dealer my policy number then finalized the info with my insurance after we picked it up
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2015 Cedar Creek Silverback 33IK 
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04-19-2016, 01:11 AM
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#6
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2007 WildCat 32QBBS
Join Date: Jul 2011
Location: NJ
Posts: 2,349
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If it's financed the institution will more than likely require it to be insured upon taking ownership. A simple phone call to your insurance company and you'll have coverage.
If it's paid for you don't have to have insurance on a trailer. With that said, any accidents or claims on trailer damage is covered under the policy of the tow vehicle that it is hooked to. Where there's trouble is if something happens while the trailer is parked NOT hooked to the tow vehicle then you're on your own for the repairs.
__________________
*Current: 2005 Ford F350 Crew Cab Dually 6.0 diesel 4x4*
*Retired: 1987 F350 Crew Cab Dually 6.9 turbo diesel
2007 Forest River WildCat 32QBBS
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04-19-2016, 09:01 AM
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#7
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Senior Member
Join Date: May 2015
Posts: 1,397
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We signed ownership papers and immediately called GEICO with the new VIN. No change in coverage and was covered in 10 minutes. Call your ins. carrier and ask ahead of time.
__________________
--2005 F350 Superduty Crewcab, 6.0, 4wd, short bed, 3.73 gears;
--2016 Montana 3711FL, 40'
--2014 Wildcat 327CK, 38' SOLD
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04-19-2016, 11:47 AM
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#8
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Senior Member
Join Date: Mar 2013
Posts: 259
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Yes the trailer is covered while connected to the tow vehicle in most places. If it breaks away on the road then the insurance doesn't follow it. You are best to put separate insurance on the trailer for all perils. We added our to our home owner policy as it is replacement value coverage and way cheaper than adding to your car policy in most cases. We are paying $47.00 a month for full coverage and it's fully covered even on our seasonal site which is in another province.
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04-19-2016, 01:33 PM
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#9
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Member
Join Date: Feb 2012
Location: Smyrna, Tennessee
Posts: 35
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OK, Thanks all. Visited my agent and am covered as of the day I pick up the new fifth wheel.
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04-19-2016, 01:43 PM
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#10
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Senior Member
Join Date: Apr 2014
Posts: 643
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We fully own our trailer. The trailer is covered for liability under our tow vehicles policy when towing and we have additional collision and comprehensive on the trailer to cover those areas. All we had to do is contact our insurance agent to let him know we were picking up a new trailer and would get back with him when we had all the particulars. From that point forward we were covered for 30 days as far as our insurance company was concerned.
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04-19-2016, 01:51 PM
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#11
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Senior Member
Join Date: Sep 2013
Location: Idaho
Posts: 9,839
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Quote:
Originally Posted by dbackerjim
OK, Thanks all. Visited my agent and am covered as of the day I pick up the new fifth wheel.
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Safest and probably the best way to cover your wide side.
We had the lite covered before we went to pick it up.
__________________
2016 F350 6.7L LB CC Reese 28K 2014 Chaparral Lite 266sab
"Those who would give up essential Liberty, to purchase a little temporary Safety, deserve neither Liberty nor Safety." 2014 19 days camping 2015 17 days camping201620 days camping
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04-19-2016, 02:25 PM
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#12
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Senior Member
Join Date: Dec 2014
Location: SD
Posts: 172
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Quote:
Originally Posted by dbackerjim
Picking up new Wildcat Friday April 22. When do I have to have insurance by? When you buy a car you have three days to get insurance switched over how does it work on a fifth wheel? Can you even get insurance until you sign the papers? tried searching but can'r fined any clarity. Thank for all your help.
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If you know what the vin number is you can get the ins. I carry 2 types one is for acts of nature ( like a wind rips off you awning) I use Thum and that is all they do, and i have carry an extended ins. for repair of anything that breakes down like a frig. after the free yr. from the factory.
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2006 Gmc
2016 Forestriver Sierra 376 BHOK
Full Timers
Dick, 
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04-19-2016, 05:27 PM
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#13
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Senior Member
Join Date: Apr 2015
Location: Minnesota
Posts: 134
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We had the ser# ahead of time for the unit we bought. Our insurance agent added it to our policy before we even picked it up. Made the effective date of coverage the day we picked it up. The dealership just asked for a policy number which we had of course.
Short, sweet and simple.
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04-19-2016, 05:48 PM
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#14
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Senior Member
Join Date: Apr 2015
Posts: 215
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Quote:
Originally Posted by dbackerjim
Picking up new Wildcat Friday April 22. When do I have to have insurance by? When you buy a car you have three days to get insurance switched over how does it work on a fifth wheel? Can you even get insurance until you sign the papers? tried searching but can'r fined any clarity. Thank for all your help.
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In NJ you have to have insurance before pulling off the lot on both cars and TT's.
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04-21-2016, 10:31 PM
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#15
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RetiredRVer
Join Date: Feb 2014
Location: Ohio
Posts: 264
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Quote:
Originally Posted by Dabmeb
Yes the trailer is covered while connected to the tow vehicle in most places. If it breaks away on the road then the insurance doesn't follow it. You are best to put separate insurance on the trailer for all perils. We added our to our home owner policy as it is replacement value coverage and way cheaper than adding to your car policy in most cases. We are paying $47.00 a month for full coverage and it's fully covered even on our seasonal site which is in another province.
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Homeowners policy X 2!
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