Forum Discussion
mr_andyj
Jun 04, 2021Explorer
I dont follow your alphabet soup of letters for things, but I did have an RV for 20 years that was considered by the VIN and the insurance company as a "cutaway van", not an RV, meaning the van chassis was built as a frame and a driver's cab on it with no box or RV or anything behind it.
I tried to get it insured as an RV but the agents knew nothing and were not interested to learn or research.
I tried to get the VIN changed to say Rv, but nobody really knew the full list of steps to go through.
In the end I did nothing and it never mattered as I got hit by a foreign driver and collected bigly on the insurance payout, near double what the RV was really worth.
Now, if I had crashed it myself and tried to collect from my own ins co then that would have been another story... Yes, drive carefully and do not the the at-fault driver and you will be fine.
Your Jackery and solar system might sound really expensive to you but it is not expensive in the world of auto insurance. Any car on the road could have the same contents (laptop, solar panels in the trunk, Jackery in the back seat, a baby seat, expensive lamp... And the insurance co will cover this if the other driver was at fault.
If you want you not-so-valuable stuff covered then get Renter's Insurance to cover it, not car, not RV insurance.
Best advice given above is to do nothing. Fix the heck outta your van, insure it as a van, enjoy.
I tried to get it insured as an RV but the agents knew nothing and were not interested to learn or research.
I tried to get the VIN changed to say Rv, but nobody really knew the full list of steps to go through.
In the end I did nothing and it never mattered as I got hit by a foreign driver and collected bigly on the insurance payout, near double what the RV was really worth.
Now, if I had crashed it myself and tried to collect from my own ins co then that would have been another story... Yes, drive carefully and do not the the at-fault driver and you will be fine.
Your Jackery and solar system might sound really expensive to you but it is not expensive in the world of auto insurance. Any car on the road could have the same contents (laptop, solar panels in the trunk, Jackery in the back seat, a baby seat, expensive lamp... And the insurance co will cover this if the other driver was at fault.
If you want you not-so-valuable stuff covered then get Renter's Insurance to cover it, not car, not RV insurance.
Best advice given above is to do nothing. Fix the heck outta your van, insure it as a van, enjoy.
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