Road Side Assistance Insurance?

Discussion in 'Questions From New Drivers' started by WolfyWho, Aug 5, 2014.

  1. WolfyWho

    WolfyWho Bobtail Member

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    Aug 5, 2014
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    Hello,

    I'm not sure if this is the right forum. My apologies if it isn't. (I'm not a truck driver.)

    I'm in the process of purchasing a 40ft school bus (will be converting it to an RV) down in Arkansas (I'm in Michigan). I was wondering if you could point me to a good insurance company that has road side assistance for when I drive it back to Michigan. I'd hate to breakdown on the way home and not know who to call for help.

    I have my CDL learners permit, and I'll be bringing my nephew with me who has his Class A CDL.

    Any help would be much appreciated. Thank you.

    Wolfy
     
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  3. STexan

    STexan Road Train Member

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    Longview, TX
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    Not sure of any "temporary" insurance that can be bought for roadside assistance. But I assume you will have the bus insured at the time you pick it up ... My question would be what type of policy is it? Personal or commercial? And does that policy offer any sort of roadside assistance as part of it? I'm sure their would be fine print that might exclude/limit charges, regardless. (that a bus might exceed if it needed towing for instance)

    I'm not sure if a personal passenger auto policy would cover anything OTHER then an automobile. I know with RV (motorhome) insurance, most include some sort of roadside assistance that can be added on pretty cheap.
     
  4. Pedigreed Bulldog

    Pedigreed Bulldog Road Train Member

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    If your nephew doesn't have a passenger endorsement, he better not get caught driving that bus. It is a passenger vehicle designed to carry 16 or more people, and therefore requires the endorsement. Once the conversion is complete, then it will be an RV...but if it looks like a bus and seats like a bus, then it is a bus. It would also be a good idea to paint over any indications that it was ever a "school" bus, too, because some states (Illinois, for one) require a special school bus permit. Requires an 8 hour class, 4 hours behind the wheel, and a road test in order to get it...and if you don't take a 4 hour refresher course every year, it expires. Only way to take the course is if you are currently employed by a bus company or school district.

    ...not to mention the finger prints and background check...

    With all that hassle involved, you'd think it would pay better...

    Anyway, paint over/remove any "school" indications...remove/cover the amber & red warning lights. Cover or remove the stop arm. That ought to keep you from needing the school bus endorsement. Remove all of the seats (except the one or two you'll need to sit in) so that it seats 15 or less people including the driver and you MIGHT get away with not having a passenger endorsement...but that also depends upon the cop.

    Once it is converted to an RV and no longer resembles a school bus, and it has RV tags, then no more worries. Just got to make sure you stay out of trouble on the ride home.
     
  5. WolfyWho

    WolfyWho Bobtail Member

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    Aug 5, 2014
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    Thanks for that, BullDog. It's actually already registered as an RV in Arkansas. All the seats have already been removed. The "School Bus" signage has been removed already too. The STOP sign is still on it though, so I'll make sure I cover that. It's a huge bus (in my eyes), and I felt it prudent to bring him with me since he has experience driving big rigs. I guess technically I don't need my CDL since the bus is already registered as an RV, but I figure it couldn't hurt anyway. There's lots of good information in that CDL exam.


     
  6. WolfyWho

    WolfyWho Bobtail Member

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    Aug 5, 2014
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    Thanks for the suggestions, everyone. I'll take a look.

    Wolfy
     
  7. hilliard

    hilliard Light Load Member

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    Sep 13, 2009
    hilliard, oh
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    Check out greatwest casualties insurance
    for an extra $144 add on mechanical breakdown (edited to add that $144 is per anumm)

    u get

    towing
    Covers towing and/or labor for repairs to a covered auto disabled due to mechanical breakdown.
    Limits:
    » $5,000 for towing to any facility you choose. » $500 less the deductible for any labor
    performed on a covered auto
    at the place of disablement. Deductible = $250.

    Rental Reimbursement
    • Covers the cost of renting replacement tractors, trucks, and trailers when a covered breakdown occurs
    • Limits:

    » $200 per day; $1,000 maximum


    Emergency Expenses
    Covers emergency expenses related to a mechanical breakdown, including lodging, meals, vehicle rental, etc.
    Limits:
    » $100 per day; $500 maximum.


    they also have a cheaper add on coverage for $97, obviously covers less.

    They specialize in trucking but you can call them and see if they can cover RV's
    the program is called choice and choice plus coverage.
    good luck
     
    Last edited: Aug 6, 2014
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  8. 281ric

    281ric Road Train Member

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    good sam club but its not an rv yet so I don't know if they'll cover you
     
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