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Old 09-06-2015, 12:53 PM   #1
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Insurance issue

We store the Unit (Sun Seeker Class C) 6 miles from our home on our friends farm.Only problem?they are in North Carolina and we are in South Carolina.
Progressive (through USAA) has to insure in North,cause that's where it "lives"so even though it's registered and plated in South we have a North policy.
No big deal?
Yes big deal.South has no record of it being insured and wrote me a nasty threatening letter ie.fines pulling the plate etc etc
Obviously I could store in South but I have an awesome arrangement now so that ain't gonna happen
Register and plate it in North? I don't know if that's legal.
New Insurance Co? Probably what's going to have to happen.
If Progressive won't write it in South will others!
Anyone ever run into this situation or have any advice or recommend a new insurance Co
Thanks TR Dutch
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Old 09-06-2015, 12:58 PM   #2
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I never had a problem with USAA / Progressive when we full timed. Explained it's "home" per say, but explained the rest of the story up front too, since we moved around.
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Old 09-06-2015, 01:13 PM   #3
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They are adamant about its storage location and the address.
I obviously want to be straight with them.
All my cars and home are with USAA and my RV & Motorcycle with the Progressive branch.
I don't want to leave them but I really don't know what choice I have other than moving it
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Old 09-06-2015, 01:26 PM   #4
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I've gotten the wrong guy on the wrong day before with them, but quickly resolved by getting someone else. So, my question to them would be this. It may be registered here (gotta be registered somewhere), but if I'm "camping" all the time, it's never at that registered place, and insurance still covers it. Yes they do. There's always a way with words and loop holes. I'm not lieing to them. I don't understand why they have an issue. No difference whether it's stored in another state, or your camping in another state. If your camping out of state, and a tree falls on it, they cover it. If it's stored in another state (I'd call it "camping"), and a tree falls on it, they still cover it.
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Old 09-06-2015, 01:31 PM   #5
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Reminds me of when I called to get insurance on my "shop". I call it a shop. It's huge, but it's just to store stuff and piddle in. We went round and round with them asking me how I made money out of it, was it a business, what did I do in that "shop". After explaining it was just a dang big barn that I put my stuff in, their light bulb came on. They said "Oh, it's a storage facility". My response, whatever you have to call it to get this squared away, call it that. They were thinking I was hiding a business or something, and in turn trying to get me some high dollar insurance.
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Old 09-06-2015, 02:18 PM   #6
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Looks like all insurance Co only in the State where they are stored or parked
So I'm going to register and plate it in North Carolina
Oh well,Ill have to get it inspected each year but I won't have a $1000/yr property tax bill
South Carolina's loss
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Old 09-09-2015, 07:40 AM   #7
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Update
Nope,can't register out of state (need it registered where my drivers license is issued
RV has been moved to SC and a new SC insurance policy has been purchased
What a PIMA!
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Old 09-09-2015, 08:16 AM   #8
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Are you reducing the insurance to storage status to save some premiums? Could you keep full insurance and "leave" it there as a seasonal location? Would that in the end be cheaper?
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Old 09-16-2015, 09:24 AM   #9
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Insurance issue

Money is always an issue but not in this case
No I keep full coverage year round.
I was storing the unit at a friends farm in NC because it was an attractive arrangement I wanted to keep but I ended up moving it to SC because it's the only way It will be covered
They Will only write the policy in the state where it is kept/stored.
We will continue to camp at our friends farm it just won't live there
The premium actually went down in SC so I upped my Liability for the same price I was paying before,
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Old 09-16-2015, 12:28 PM   #10
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I am not understanding the problem? I have USAA and progressive. I have a Jeep I keep in Colorado and my TT stays in Colorado 50 percent of the time when not stored locally, the Jeep is insured at an address in Colorado as well as the camper. USAA wanted to use the Colorado address because that is where it is at more often than not. When Utah inquires about the insurance, since both are registered in Uah, I just fax them over a copy. The only caveat Utah said was that the insurance must meet both state minimums, which is no problem since I run full coverage on everything.

Why cant you just fax them over a copy of your policy with the VIN associated?
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