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Old 09-30-2008, 08:27 AM   #15
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<BLOCKQUOTE class="ip-ubbcode-quote"><div class="ip-ubbcode-quote-title">quote:</div><div class="ip-ubbcode-quote-content">Originally posted by Bobby C:
Insurance is bought on where the vehcile is garaged, not where the tag was bought. If the vehicle is "owned" by and LLC, you may have difficulty buying "traditional" MH insurance. You may have to buy commercial insurance. However, I am confident some company may insure a private coach that is "owned" by an LLC. I would check that part out as a part of your due-dilligents. </div></BLOCKQUOTE>

This is NOT correct! You must insure your vehcile in the state where the vehcile is registered (tagged) not where it's garaged. When I went to get insurance on my MH I had to get the policy thru MT. Virginia agents could not write the policy because of the MT registration. Think about what you are saying, if that was the case, then every college kid that's going to an out of state school would be required to buy car insurance in that state.

National Interstate insurance, a company out of OH will write you a policy, and they have good rates.

Here's something else you must remember, check your state's laws and see if the LLC will work for you, it may not be for everybody, but it does work for some people. If your state is like mine, then you will need to take the MH out of the state every 6 months inorder to avoid the requirment to register it. When you come back into the state your 6 months start all over again. This just gives you a reason to go and enjoy your MH as it was intended.

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Old 09-30-2008, 09:18 AM   #16
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Charles, I am thinking about what I am saying or I wouldn't have said it. For the past 18 years, I have worked in the PPA business as VP of Product Management. Our Company and competitors all require the vehicle to be insured from the state it is garaged, thus the premium collected covers the exposure for our risk of loss. The reason is, the vehicle will most likely be driven in the state it is garaged in, not where it is registered. Anyony, including some posters in this thread register a vehicle in a state they do not live in nor have any intention to live in. Secondly, financial responsbility limits are different from state to state. Most companies want the premium for the amount of exposure they are insuring. For exmaple, CA minimum Bodily Injury FR limits are 15/30. TN on the other hand is 25/50. Big difference in exposure. Why would I want to insure someone that lived in TN that had their MH registered in CA? I would be providing 25/50 limits and collecting 15/30 premium.

My Company chooses to not allow vehicles that are registered and garaged in two different states for this reason. I said in my previous post, most companies fall into this category, but some companies may allow writing an out-of-state vehicles.

If you look at most mainstream companies, the garging zip is used to rate the policy. Furthermore, Companies file rates based on zip codes for that state.

In commercial policies, the vehicle could be registered to a company that is out of state. But, the insurance is generally provided in the state the vehicle operates.

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