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| Insurance and misc questions related to new coach purchase [message #186871] |
Wed, 10 October 2012 14:00  |
kerry pinkerton
Messages: 2565
Registered: July 2012
Location: Harvest, Al
Karma: 15
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The wife and I have decided to get serious about another GMC and hope to go look at one next week. We're on the road now and just made the decision last night so I haven't done all the research I would have done if I were home.
Question 1: What kind of insurance do you recommend? I'll want good towing coverage and may or may not go with full coverage. If we drive down and make a deal on this coach, we'll need it asap before we head home. The coach is several hundred miles from where we live.
Question 2: The coach is in Fl and I'll be driving it to Alabama. Will I need to get a transit tag of some type? I doubt it has a current tag.
Sorry to ask a question that has been asked and answered but, like I said, we just decided to go for it last night.
Kerry Pinkerton - North Alabama
Had 5 over the years. Currently have a '06 Fleetwood Discovery 39L
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| Re: [GMCnet] Insurance and misc questions related to new coach purchase [message #186873 is a reply to message #186871] |
Wed, 10 October 2012 14:09  |
Dwayne
Messages: 418
Registered: October 2007
Location: White Rock BC
Karma: 0
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Kerry;
We were wondering if you would or would not go for another one. We sure
enjoyed meeting you both and appreciated the use of your floor jack and air
tool. Like we said - trips with our grandchildren have been rich and times
they hold onto.
I believe there are a number of coaches out there that are "Ready to go" so
that you can enjoy it and not having to add it to your "Projects List" (You
out there in cyber space who are reading this- you ought to make a trip to
Kerry's to see first hand his workmanship.) Upper Alabama isn't really
that far away is it?
Best regards
and looking forward to having you join us in 2014 for the Route 66 Rolling
Rally.
Dwayne & Sharon Jacobson
White Rock, BC
77 Kingsley
Now 10,000 miles into our journey of Across Canada and return through the
USA - sitting in Galveston presently.
On Wed, Oct 10, 2012 at 12:00 PM, Kerry Pinkerton <Pinkertonk@mchsi.com>wrote:
>
>
> The wife and I have decided to get serious about another GMC and hope to
> go look at one next week. We're on the road now and just made the decision
> last night so I haven't done all the research I would have done if I were
> home.
>
> Question 1: What kind of insurance do you recommend? I'll want good
> towing coverage and may or may not go with full coverage. If we drive down
> and make a deal on this coach, we'll need it asap before we head home. The
> coach is several hundred miles from where we live.
>
> Question 2: The coach is in Fl and I'll be driving it to Alabama. Will I
> need to get a transit tag of some type? I doubt it has a current tag.
>
> Sorry to ask a question that has been asked and answered but, like I said,
> we just decided to go for it last night.
> --
> Kerry Pinkerton
>
> North Alabama, near Huntsville,
>
> 73 Sequoia 23' "The Beast", 60K mile original coach.
>
> 76 Eleganza being rebodied as an Art Deco car hauler
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://temp.gmcnet.org/cgi-bin/mailman/listinfo/gmclist
>
--
Dwayne Jacobson
Haven Properties
Ph: 604-538-3823 Ext 22
Fax: 604-538-5845
Cell: 604-644-8090
dwayne@havenproperties.ca
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Dwayne & Sharon Jacobson
White Rock, BC
77 Eleganza II
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| Re: Insurance and misc questions related to new coach purchase [message #186874 is a reply to message #186871] |
Wed, 10 October 2012 14:23 |
lqqkatjon
Messages: 2324
Registered: October 2010
Location: St. Cloud, MN
Karma: 5
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I am no expert on the insurance coverage in case of damage, accident.
as for towing... there are alot of options, and i will just say what has worked for me.
I pay $130 a year for AAA RV + elite. from MN/Iowa AAA. they give me and my wife 8 service calls or tows every year. 1 of those calls can be up to a 200 mile tow. the other 7 are 100 mile tows.
I have just used it twice last month to tow my GMC home about 60 miles. no questions. no money out of pocket. Both times I think I could of worked and got the GMC going. however there was no reason on a sunday afternoon, not to have it towed to my home where I have all my tools and time.
I am sure coverage varies where one is at. but I had very good luck with my $130.00 I spend every January.
oh... keep in mind my GMC is a real fixer upper. Do not let my story of breaking down discourage anybody from thinking the GMC is not reliable. I sure get alot of great use out of it, and this past month, was my only time I had to be towed in the past two years. and the shape my GMC is in, every trip I get to use it is a feat. but it is getting better every weekend I work on it.
Jon Roche
75 palm beach
EBL EFI, manny headers, Micro Level, rebuilt most of coach now.
St. Cloud, MN
http://lqqkatjon.blogspot.com/
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| Re: Insurance and misc questions related to new coach purchase [message #186884 is a reply to message #186877] |
Wed, 10 October 2012 15:57 |
GMC Cruse
Messages: 606
Registered: June 2009
Location: SE Michigan
Karma: 3
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| lilmyk wrote on Wed, 10 October 2012 15:50 |
We bought our GMC sight unseen in West Palm Beach FL, flew down and drove it home to NC. It is our first motorhome, and we bought it dirt cheap, so it was a gamble.
I got insurance ahead of time, and may have even got temporary plates, but I am not sure. I think FL will issue you temporary tags if you are buying a vehicle and have insurance, but I don't remember.
If you go with AAA, do it soon, I do believe there is a waiting period from when you activate RV coverage to when they will tow an RV. They just want to make sure you are not buying a non-runner and having them tow it home for you.
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I have AAA RV plus and there was a waiting period. I believe it was 3 days for towing.
Mike K.
'75 PB
Southeast Michigan
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| Re: [GMCnet] Insurance and misc questions related to new coach purchase [message #186909 is a reply to message #186871] |
Wed, 10 October 2012 19:20 |
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As to Question 2, there is not such thing as "temporary tag" sold by any
state government. What you see dealers put on a vehicle is a "public notice"
to police officials that the tags have been applied for in a particular
jurisdiction.
If the coach has no tags (current or not), I'd put a notice in the window
that simply states the coach is a recent change of ownership and is in
transit to you state of residence. If stopped by anyone what is important to
show them is the transfer of title and a bill of sale that has been signed
by a second party (particularly a notary public).
You can call the Florida or Alabama DMV and verify this.
I recently bought our daughter's Honda Accord. They let the tags expire
since they bought another vehicle. When I was driving it back from Georgia
to Kentucky a police officer (I shall not reveal where Barney was from)
pulled me over. I'm sure he was thinking he was going to hit it big by
arresting me for driving with expired license. When he got to me I handed
him the bill of sale and stated I was driving it to Kentucky and would
license it there. I then handed him my driver license. Barney, being rather
intelligent, smiled and said "OK" then walked back to his car. I'm sure he
was depressed for a couple of minutes. I'm sure he got over it.
By the way, I drive up and down I-65 once in a while. Maybe I'll make an
appointment on one of my trips.
--
Byron Songer
Louisville, KY
http://www.gmceast.com
Kerry Pinkerton wrote:
>
>
> The wife and I have decided to get serious about another GMC and hope to go
> look at one next week. We're on the road now and just made the decision last
> night so I haven't done all the research I would have done if I were home.
>
> Question 1: What kind of insurance do you recommend? I'll want good towing
> coverage and may or may not go with full coverage. If we drive down and make
> a deal on this coach, we'll need it asap before we head home. The coach is
> several hundred miles from where we live.
>
> Question 2: The coach is in Fl and I'll be driving it to Alabama. Will I
> need to get a transit tag of some type? I doubt it has a current tag.
>
> Sorry to ask a question that has been asked and answered but, like I said, we
> just decided to go for it last night.
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Byron Songer
Full-timing to enjoy the USA
Former owner but still an admirer
GMC paint schemes at -
http://www.songerconsulting.net
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| Re: [GMCnet] Insurance and misc questions related to new coach purchase [message #186913 is a reply to message #186909] |
Wed, 10 October 2012 19:36 |
stick miller
Messages: 1036
Registered: March 2010
Location: Americus, Georgia
Karma: 0
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Byron - Not exactly sure what you mean. In Georgia it used to be that the tag stayed with the car. Now the tag stays with the owner for use on their next car. Used car dealers almost always put a temporary paper tag on the car that is good for 30 days. I see home made ones that, I assume, are from cars sold where the owner keeps the tag. A "Lost Tag" or "Tag Stolen" sign on a piece of cardboard in the window will buy you a month or so of hassle free driving.
Stick Miller
'78 Royale - "White Trash" - she left me for another man
'76 Eleganza - "Cousin Eddie" Sold
'84 Bluebird Wanderlodge - "Past Tents"
Americus, GA
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| Re: [GMCnet] Insurance and misc questions related to new coach purchase [message #186915 is a reply to message #186909] |
Wed, 10 October 2012 19:46 |
Russell Mehlenbacher
Messages: 128
Registered: June 2010
Karma: 1
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When we brought the Eleganza back from Illinois, we didn't want any hassle
from anybody. Not from any police dept in IL, Chicago, IN or MI.
Once in Michigan, no problem. Drive the most direct route home and register
later. I wasn't about to do a search thru IN laws for the short time we
would be headed through. But I did buy a *temporary tag from a state
government*. Maybe you can buy anything in Illinois. Especially when it
comes to government. I only know what I hear...
I got one of these after a reasonable wait in a very busy office on a
Saturday morning. For $10 I could then ignore every State Trooper in three
states, except those with the radar guns.
7/30 DAY INTRASTATE/INTERSTATE TRANSPORT PERMITS - A 7/30 –Day
Intrastate/Interstate Transport Permit is a multiple permit for use as a
non-resident, drive-away or intrastate permit. The permit allows
out-of-state purchasers to operate newly purchased vehicles from the place
of sale to a destination outside Illinois for 30 days. An
intrastate/Interstate Transport Permit may also be issued for a
non-registered first or second division vehicle for the purpose of moving
it within the State of Illinois. Any second division vehicles operating on
a Intrastate/Interstate Transport Permit may operate only on empty weight.
Permits are available at Secretary of State facilities for $10 each.
--
Russ & Linda Mehlenbacher
Rochester Hills, MI
'74 X-Sequoia
'76 Eleganza
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Russ & Linda Mehlenbacher
Rochester Hills, Michigan
'76 Eleganza
'74 Sequoia
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| Re: [GMCnet] Insurance and misc questions related to new coach purchase [message #186923 is a reply to message #186913] |
Wed, 10 October 2012 20:41 |
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Stick,
What I was saying was that those temporary tags a dealer puts on a new car
(or used car in some states) isn't anything "official" as being provided by
a governmental agency. With the hologram stuff they put on them these days
they look "official". It's all "promotional" in nature and of no legal
value. Yes, in Georgia the tag goes with the vehicle. The same is true in
other states. Some states, however, the tag stays with the VIN.
To reduce the threat of hassle people put explanatory tags in the window to
let the police know "yep, I'm aware there's a problem."
If my explanation isn't clear just delete this message and dismiss it as
pure gibberish.
Byron
Stick Miller wrote:
> Byron - Not exactly sure what you mean. In Georgia it used to be that the tag
> stayed with the car. Now the tag stays with the owner for use on their next
> car. Used car dealers almost always put a temporary paper tag on the car that
> is good for 30 days. I see home made ones that, I assume, are from cars sold
> where the owner keeps the tag. A "Lost Tag" or "Tag Stolen" sign on a piece of
> cardboard in the window will buy you a month or so of hassle free driving.
> --
> Stick Miller
> '78 Royale - she left me for another man
> Americus, Georgia
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Byron Songer
Full-timing to enjoy the USA
Former owner but still an admirer
GMC paint schemes at -
http://www.songerconsulting.net
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| Re: [GMCnet] Insurance and misc questions related to new coach purchase [message #186924 is a reply to message #186915] |
Wed, 10 October 2012 20:45 |
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I guess some states sell them. Some don't. In the states where they don't
the dealer just gets them from a supplier.
It also must be something they do north of the Ohio to get more money out of
you. South of the Ohio we trust people (to a certain extent).
Years ago, in Illinois, the tag stayed with the owner. They didn't go with
the auto. I think some of it has to do with the type of title the state
issues. Remember when you used to have the registration mounted for display
in the car? Steal the car, get the registration. Bad idea.
Byron
Russell Mehlenbacher wrote:
> When we brought the Eleganza back from Illinois, we didn't want any hassle
> from anybody. Not from any police dept in IL, Chicago, IN or MI.
> Once in Michigan, no problem. Drive the most direct route home and register
> later. I wasn't about to do a search thru IN laws for the short time we
> would be headed through. But I did buy a *temporary tag from a state
> government*. Maybe you can buy anything in Illinois. Especially when it
> comes to government. I only know what I hear...
> I got one of these after a reasonable wait in a very busy office on a
> Saturday morning. For $10 I could then ignore every State Trooper in three
> states, except those with the radar guns.
>
>
> 7/30 DAY INTRASTATE/INTERSTATE TRANSPORT PERMITS - A 7/30 Day
> Intrastate/Interstate Transport Permit is a multiple permit for use as a
> non-resident, drive-away or intrastate permit. The permit allows
> out-of-state purchasers to operate newly purchased vehicles from the place
> of sale to a destination outside Illinois for 30 days. An
> intrastate/Interstate Transport Permit may also be issued for a
> non-registered first or second division vehicle for the purpose of moving
> it within the State of Illinois. Any second division vehicles operating on
> a Intrastate/Interstate Transport Permit may operate only on empty weight.
> Permits are available at Secretary of State facilities for $10 each.
>
>
>
>
>
> --
> Russ & Linda Mehlenbacher
> Rochester Hills, MI
> '74 X-Sequoia
> '76 Eleganza
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://temp.gmcnet.org/cgi-bin/mailman/listinfo/gmclist
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Byron Songer
Full-timing to enjoy the USA
Former owner but still an admirer
GMC paint schemes at -
http://www.songerconsulting.net
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| Re: [GMCnet] Insurance and misc questions related to new coach purchase [message #186933 is a reply to message #186909] |
Wed, 10 October 2012 22:51 |
Coelli
Messages: 136
Registered: July 2012
Location: Los Angeles
Karma: 0
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| Byron Songer wrote on Wed, 10 October 2012 17:20 |
As to Question 2, there is not such thing as "temporary tag" sold by any state government.
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Not necessarily true. When we bought our Eleganza in NV, we went with the seller to the local DMV office and for a small fee (around 8 bucks?) were given a 15-day "Permit to move" which allowed us to drive it home to CA.
Now that we're ready to register and smog it, we got a 30-day permit to move from the CA DMV. Again, it was a small fee and allows the coach to be on the road. They will also issue a 1-day permit.
So moral of the story - check with the DMV in the state of purchase, because you may be able to get a temporary permit.
As for towing, we also signed up with Good Sam ahead of time when we started looking for a coach. When I called to find out if there would be a problem driving ours home from NV since it wasn't registered to us they upgraded us to Platinum for free, which allows us to get pretty much anything towed whether it belongs to us or not.
And I recently insured the coach online with Progressive. The policy went into effect the same day, as soon as I paid by credit card.
Kerry, not sure if any of this will be helpful on your short timeline, but I hope so! Good luck!
Meghan
1976 Eleganza II, Los Angeles, CA
Classic GMC Motorhomes Group on Facebook
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| Re: [GMCnet] Insurance and misc questions related to new coach purchase [message #186934 is a reply to message #186924] |
Wed, 10 October 2012 23:08 |
Ken Burton
Messages: 10030
Registered: January 2004
Location: Hebron, Indiana
Karma: 10
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Senior Member |
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You can argue this back and forth all day all day and probably still not get it correct. Each state sets their own private party sale rules for tags. The procedure is that you must follow the rules of the state where the vehicle was last titled or licensed in. All of the other states must follow the lasst titled state rules. There is a wide variety of different procedures state by state.
Indiana - you must get a temporary cardboard tag from a dealer or the license bureau. I think they are good for 30 days. There is a 30 day exception if this is a replacement for a currently licensed vehicle that you already own.
Michigan - you remove the existing tag and drive with no plates by the most practical direct route to the new owner's location.
California - you must have a current tag on it but you can get a permit to transport out of state if the existing tags are not current. The plates stay on the vehicle when it is sold unless it is a vanity plate.
So check with Florida BMV and follow their rules when transporting it home.
Every state I have ever checked did require proof of Insurance and a bill of sale be in the vehicle during transport.
Some states will require you to stop at the first weigh scale when entering the state because you are driving an unlicensed vehicle. Utah comes to mind as one of them. I once stopped at Utah and the guy said "where is your license plate?" I said this vehicle was bought in Michigan and is going to California. He said "Michigan is OK for no plate so have a good trip." He knew all of the various state rules or had a list of them. He never even asked for any paperwork.
Out of country (Canada) is a whole different ball game depending on which direction you are going.
Ken Burton - N9KB
76 Palm Beach
Hebron, Indiana
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| Re: Insurance and misc questions related to new coach purchase [message #186935 is a reply to message #186871] |
Wed, 10 October 2012 23:21 |
jimtze
Messages: 92
Registered: June 2011
Location: Victoria, BC
Karma: 1
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Kerry,
I'm not sure about the legalities of transit plates or temporary tags. What I do know is that if you apply for a temporary FL tag they will hit you with the full state sales tax. I have forgotten the exact amount I paid but there was no prospect for a reciprocal agreement. Consequently I had to pay the same amount again when I got home. I had to arrange an insurance package at my end but there was no way around the FL tag. If you have a plate you can use from one of your other vehicles it will probably be to your advantage.
Jim Bratvold
Victoria, BC
76 Eleganza ll
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| Re: Insurance and misc questions related to new coach purchase [message #186939 is a reply to message #186935] |
Thu, 11 October 2012 06:29 |
stick miller
Messages: 1036
Registered: March 2010
Location: Americus, Georgia
Karma: 0
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Senior Member |
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No sales tax on a used vehicle purchased from an individual in Georgia. For instance, I bought a GMC from John Sharpe. He lives in Texas, but even if he lived in Georgia, I paid him the price and that was it.
Also, NO emissions or other inspections on RVs...regardless of the age.
2 more good reasons not to live anywhere else but Georgia.
Stick Miller
'78 Royale - "White Trash" - she left me for another man
'76 Eleganza - "Cousin Eddie" Sold
'84 Bluebird Wanderlodge - "Past Tents"
Americus, GA
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| Re: [GMCnet] Insurance and misc questions related to new coachpurchase [message #186945 is a reply to message #186933] |
Thu, 11 October 2012 08:45 |
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USAussie
Messages: 15912
Registered: July 2007
Location: Sydney, Australia
Karma: 6
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Meghan,
Before you renew your Good Sam towing you might want to review this document:
http://www.gmceast.com/technical/Mueller_GMC-Towing-Guide.pdf
We brainstormed the subject here on the GMCnet and I compiled the info.
Regards,
Rob M.
-----Original Message-----
From: Meghan
As for towing, we also signed up with Good Sam ahead of time when we started looking for a coach. When I called to find out if there
would be a problem driving ours home from NV since it wasn't registered to us they upgraded us to Platinum for free, which allows us
to get pretty much anything towed whether it belongs to us or not.
And I recently insured the coach online with Progressive. The policy went into effect the same day, as soon as I paid by credit
card.
Kerry, not sure if any of this will be helpful on your short timeline, but I hope so! Good luck!
--
Meghan
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Regards,
Rob M. (USAussie)
The Pedantic Mechanic
Sydney, Australia
'75 Avion - AUS - The Blue Streak TZE365V100428
'75 Avion - USA - Double Trouble TZE365V100426
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| Re: Insurance and misc questions related to new coach purchase [message #186948 is a reply to message #186871] |
Thu, 11 October 2012 10:29 |
1275gtsport
Messages: 272
Registered: September 2009
Location: Rothesay NB
Karma: 0
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Senior Member |
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well I thought I would throw this in from Canada. used to be you could get what they called a "transit sticker" so you could take your new toy home. then they decided it would be better if it was only to a garage to have it inspected and or repaired. not allowed to do the work your self.
We purchased our 77 PB from NJ I had several weeks to look up and confirm the needed paperwork. (both for crossing the border and getting out of NJ)
On the NJ dmv web site it talks about some sort of transit document (don't remember the exact term they used) So once we made the purchase I asked the PO to take me to the DMV so we could do the transfer/transit paper work and I would be on my way.
At the DMV after talking to several agents and a couple of supervisors we were told there is no such document required.
Off I went with his tag/plate and when we got home a week later I mailed the tag back to him. no worries no issue.
So as to the first question of needing tags...kind of depends on who you talk to.
Adam Raeburn
Rothesay, NB
1976 Austin Mini
1977 GMC Palm Beach
---------------------------------------------------
Once you replace everything that is attached to something else. It will all be fixed.
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| Re: [GMCnet] Insurance and misc questions related to new coach purchase [message #186960 is a reply to message #186871] |
Thu, 11 October 2012 14:13 |
jhbridges
Messages: 8412
Registered: May 2011
Location: Braselton ga
Karma: -74
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Senior Member |
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I did the same thing a year and a half ago, out of Bradenton to North Georgia. I called my inshoance agent and got a binder over the phone, alls they needed was the V.I.N. Coach had an expired FLA tag, nobodyu said a word to me. I had the signed title in hand if I needed. n All I carry ios liability, but if you buiy a refurbed coach for many $$$, collision/comprehensive might be in order. I'm considering tow insutrance, the one time it died on me (water pump dia FUBAR) I was lucky and at an exit with the fixit shop about a block away.
--johnny
'76 23' transmode norris
'76 palm beach
From: Kerry Pinkerton <Pinkertonk@MCHSI.com>
To: gmclist@temp.gmcnet.org
Sent: Wednesday, October 10, 2012 3:00 PM
Subject: [GMCnet] Insurance and misc questions related to new coach purchase
The wife and I have decided to get serious about another GMC and hope to go look at one next week. We're on the road now and just made the decision last night so I haven't done all the research I would have done if I were home.
Question 1: What kind of insurance do you recommend? I'll want good towing coverage and may or may not go with full coverage. If we drive down and make a deal on this coach, we'll need it asap before we head home. The coach is several hundred miles from where we live.
Question 2: The coach is in Fl and I'll be driving it to Alabama. Will I need to get a transit tag of some type? I doubt it has a current tag.
Sorry to ask a question that has been asked and answered but, like I said, we just decided to go for it last night.
--
Kerry Pinkerton
North Alabama, near Huntsville,
73 Sequoia 23' "The Beast", 60K mile original coach.
76 Eleganza being rebodied as an Art Deco car hauler
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Foolish Carriage, 76 26' Eleganza(?) with beaucoup mods and add - ons.
Braselton, Ga.
I forgive them all, save those who hurt the dogs. They must answer to me in hell
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| Re: [GMCnet] Insurance and misc questions related to new coach purchase [message #186979 is a reply to message #186942] |
Thu, 11 October 2012 19:30 |
Ken Burton
Messages: 10030
Registered: January 2004
Location: Hebron, Indiana
Karma: 10
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| Jim Bounds wrote on Thu, 11 October 2012 08:18 |
Delivered a coach yesterday from Florida going to PA, the customer had a drive away paper tag from PA. The coach was purchased in Florida. I am delivering another coach driving it to Baton Rouge leaving out today, the new owner purchased it in Florida and sent me an actual LA tag. These things can be done,
Jim Bounds
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That is another way to do it. Unfortunately some states will not issue a transit tag unless you present the vehicle for inspection at one of their offices or one to one of their police officers. As I said before, every state has it's own rules.
I had one time that the insurance company would not cover the vehicle it without first inspecting the vehicle at an in-state location. The vehicle was going from California to Ohio. In the end we figured out that the previous owner, I - the driver, and the future owner owner all had the same insurance company. We finally figured out that we would be covered one of the three ways by the same company. Had it been different companies we could have had a different story.
Ken Burton - N9KB
76 Palm Beach
Hebron, Indiana
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