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Old 04-03-2011, 02:27 PM   #1
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License and Insurance questions

Do you need a different/commercial drivers license for a 40' Class A (Tiffin or Monaco)?

What companies offer good rates and coverage for the above? What options are worthwhile?

Thanks to all. Jay
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Old 04-03-2011, 03:16 PM   #2
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Hi johnnyringo,
As to the driver's license question, the answer depends on what state you are in. The state's DMV site will provide the answer.

As to what options are good to have, if you consider Newmar, I could answer the question.
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Old 04-03-2011, 03:27 PM   #3
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we have farm bureau ins for all our stuff
not farmers.
in texas the gray area has class A, RV's as exempt for a cdl.
i have a normal license and its never been an issue here or elsewhere.

farm bureau did honestly cut our rates by 60% from our other insurer and we have superb records and other things that drive rates. our other insurer we had for over 16 years....
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Old 04-03-2011, 03:31 PM   #4
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No state requires a CDL for personal use.

Your state may require a higher class of license for higher weight or air brakes. Most do not.

Try Farm and City for insurance.
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Old 04-03-2011, 05:14 PM   #5
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As others have said, license requirements are determined by state.

Insurance rates and coverage will also vary by state. One company may be very competitively priced on some states, but very high in others. You will have to call around. Just make sure you get RV coverage. Some companies do not cover damage to auxiliary equipment like awnings.

One option our insurance has that is very worth while is full replacement coverage. If your rig is totaled in the first 5 years, they will pay the full cost of a replacement rig. After 5 years, they will pay thed full original purchase price of the rig. This will be less than the cost of a replacement rig, but much better than depreciated value.
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Old 04-03-2011, 06:05 PM   #6
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For your insurance, do not go with a car insurance co. As service mgr. for a MH co. I never had a problem with MH Insurers. Car ins. cos. were always fighting us on every est. They are just not knowledable about motorhomes.
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Old 04-03-2011, 09:12 PM   #7
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Quote:
Originally Posted by powerboatr View Post
in texas the gray area has class A, RV's as exempt for a cdl. i have a normal license and its never been an issue here or elsewhere.
I don't believe this to be a gray area as it is spelled out by the Texas Department of Public Safety very well. It is also not subject to just Class A's as there are some might big Class B's and Class C's being made. It has to do with the GVWR of the vehicle.

In Texas if your MH's GVWR is 26,001 lbs or more then you are REQUIRED to obtain a Non-CDL Class B license to drive the MH for private use. The written test consist of a 20 or 25 question, can't remember the total number, and a driving test in the over 26,001 lbs vehicle.

I just took mine a few weeks ago and all of it was easy for me. The written portion is covered in the regular Texas Drivers Handbook in section 15 with 2-3 questions coming from the first part of the manual. A set of sample questions is included in the manual.
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Old 04-04-2011, 05:14 AM   #8
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I'm in Florida. What companies are you folks from FL using to insure your MH's? I found a company "Good Sam". They quoted around $1100/yr including towing and raising the deductible to $1,000.
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Old 04-04-2011, 06:56 AM   #9
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Florida DOES adhere to the 26,001 pound requirement (special license req'd).
I would find an AGENT (not company) that specialized in MH insurance. They will represent several companies.
First I would worry about the drivers license as no matter which ins. co., an improperly or unlicensed driver will void the coverage...........
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Old 04-04-2011, 08:11 AM   #10
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what about calif? i was told if i tow my car trailor i would have to stop at the truck scales and when i tow out of state id need a trip permit
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Old 04-04-2011, 11:33 AM   #11
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Quote:
Originally Posted by cadiracer View Post
what about calif? i was told if i tow my car trailor i would have to stop at the truck scales and when i tow out of state id need a trip permit
No, No, NO. In California they go by length rather than weight, if you are 40'1"" then you need a special license, under 40' no problem.

If you want to make the people made at the truck scales pull in, otherwise drive on by like the rest of us. Someone was really yanking your chain.

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Old 04-04-2011, 06:08 PM   #12
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Hi H. Miller,
Why do you say Florida adheres to the 26,001 weight limit for a special license (for RVs). The DMV has always included RVs driven for personal use an exception to the rule. Go to Official Website Florida Department of Highway Safety and Motor Vehicles and you'll see.

This URL provides all the different driver's licenses Florida issues.
1. RVs driven for personal use are exempt from a CDL license requirement.
2. There is no Florida non-commercial license except for class "E".

If you do not agree, what class of Florida driver's license do you feel one must have? Where do you find this information?
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Old 04-04-2011, 06:12 PM   #13
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Hi johnnyringo,
I am also a Florida resident. The best coverage and prices, year after year have, for me, been through Farm & City. They are a RV insurance broker. Their contact number is 800-331-1520.
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Old 04-04-2011, 08:19 PM   #14
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Here is a link to a website that provides a listing of all 50 states and the requirements...

RV Driver's License Requirements

However, make sure you check with the actual info from the state websites.
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