Insuring a second truck

I have a spare truck just because it was my fathers. Not sure what Im gonna do with it. However I ran into this same problem. Now my llc owns one truck and my personal name owns the one that is sitting. I only carry non truck on it. Just incase something happened while its parked. Two policies with different name. Same insurance company.

 

How hard is it to swap insurance between the trucks?

That is a rhetorical question.

 

I don't know I haven't done it yet. But you would have to transfer titles.

 

If it's paid for, and you're just waiting to see what happens with this whole elog BS, I'd just leave it in the yard with no insurance on it.

 

Pretty risque considering how easy trucks are stolen. Now if you had a building or garage to park it in, I would consider that. Wouldn't a non trucking policy cover it? That would be fairly reasonable.

 

I would think so, and see no reason that can't be had.

As far as theft, I live in an area that that wouldn't be a consideration for me. Plus I have a shed to keep it out of the weather.

 

I live out in the sticks of Georgia, but still in to much of a reasonable distance to Atlanta. All it would take is one person figuring out where you are. That thing could be on ship out of Savannah in a matter of hours. Quite a bit of that goes on in Atlanta, not just trucks but all vehicles.

 

Basically it just for back up for me. I had to show it wasn't in my name or insurance was charging me for it. I switched trucks to repair one. I told them to drop one & add the other one. It basically just sits in the yard. I will just put it back on as an owner operator truck my insurance agent helped me out with it.

 

We are with a "non" trucking underwriter, I think they look at it differently. They didn't want to write the policy on the second truck when I bought it in November. I'm probably moving to Acuity late summer when I am up for renew. The current company wouldn't write specific endorsements for a customer, so I have to move to keep the customer. I'm sure I'll get hosed with the new provider, same insurance broker though. I also am able to submit my own values on my equipment which really helps with premiums as well.

 

Progressive wants any commercial vehicle you own insured by them. Thats why I own the spare. And business owns the daily driver. To be honest I was there for the phone call between my agent and progressive corp side. They even treated my agent bad. His family office has delt with them 30 plus years. They were rude and not as informed as well as my personal agent. So later on I asked about insurance on pickup if it had comm. plates. Progressive corp. told me "no you can insure that with anyone". Wtf?