Insurance issue

[trdutch]

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

[BigJohnD]

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.

[trdutch]

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

[BigJohnD]

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.

[BigJohnD]

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.

[trdutch]

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

[trdutch]

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!

[elind]

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?

[trdutch]

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,

[SuicideSaints]

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?

[trdutch]

They told me it has to be insured in the State where it is stored when not Camping
That was NC
I live 6 miles away in SC where I'm licensed
I had a NC policy but SC DMV would not recognize that it was insured
South Carolina is the problem
So I got a SC policy to appease them and for progressives sake I had to move the unit to SC

[SuicideSaints]

Thats a raw deal. I dont have any other experience to go by but that sucks. I wonder if other people have the same problem?

[lgray]

I had the same issue with Progressive and you are correct, that is their policy. However, there are companies that will write you a South Carolina policy and allow you to store it in another. I think Blue Sky is one of them. I priced it through an independent agent; my case Good Sam’s who will shop the carriers for you. Then double checked the pricing on the individual carriers website.

[knockando]

Originally Posted by trdutch

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

Dear Honest Abe,

Just tell them you park it at your house and not the storage location. They don't send anyone out to check, this is a normal practice.

[trdutch]

I checked Blue Sky but they wanted $500/year more than Progressive
It's all good!
Signed, Abe!

[RSchleder]

I can tell you that we had a similar problem when we wanted to store our TT in Washington St when we live in Iowa. Actually had to have it insured by an agent of our insurance company in Washington St. They were fine with it being titled, registered, plated in Iowa, it just had to be insured in the state where it resided.
I don't know if it makes any difference, we did not have a lien on the unit so did not have to deal with a loan company at all.

[tinkerreknit]

Originally Posted by knockando

Dear Honest Abe,

Just tell them you park it at your house and not the storage location. They don't send anyone out to check, this is a normal practice.

I hope insurance fraud is an abnormal practice. Also, we have already established that the OP is honest.