Visit The Dirt Forum for More Information

Author Topic:   terrorist junk!! Need help
zeroracing
Dirt Forum Champ
Total posts: 1875
posted June 23, 2004 12:51 PM  
i have a 94 gmc topkick, it is a big toterhome we made. well we have not gotten it redone offically as an rv yet. thought we would check on insurance, the first place when we bought it said it would be no big deal. now they and everywhere else i have called say they can not do it. they claim weather it be a regular truck, or a converted rv they can not insure it because it was such a big truck for a indivdual to own, and since 9-11 i guess they have pressured insurance companies more.
anybody out there know any insurance places that would insure this? anybody have toterhomes, where is your insurance from?
right now my only option is to get it as a comercial vechile and go start up my own business. any ways to do this cheap for my race team in order to save moeny on taxes either?

what should i do?
thanks
jason

[This message has been edited by zeroracing (edited June 23, 2004).]

brownstone
Dirt Freak

Total posts: 284
posted June 23, 2004 02:20 PM  
i would try going to one of the insurance companies online such as progressive and try to sign yourself up for insurance this way you can answer all the questions online.
just an idea, best of luck.

juliaferrell
Dirt Freak

Total posts: 370
posted June 23, 2004 05:32 PM  
does it have air brakes!!!????????? Does it take a CDL license to drive it? If it doesn't then you should be able to go to you local department of motor vehicles and ask them what class license you need. You will have to license it based on the total weight. IE....less than 26001 pounds. If it weighs more than that or your trailer weighs 10,001 pound or more you need CDL's. You will need to go to an agent who deals with larger vehicles. Most of these car type insurers know nothing about what it takes to insure a truck!!!! You should be able to put insurance on it just like you would if you had a little dump truck *ie 1 ton dump* at home. "Northland Insurance Company" is a company that writes these policy. They are based in Johnstown PA but have brokers all over.

Wildside17
Dirt Maniac

Total posts: 119
posted June 23, 2004 06:29 PM  
Jason, call OOIDA (Owner operator Independent Drivers Assn.) Yes they deal with commercial vehicles but I am sure they may be able to help you with your problem. www.ooida.com good luck

zeroracing
Dirt Forum Champ
Total posts: 1875
posted June 23, 2004 08:15 PM  
we have talked to some local places that said they could but then could not. it is borderline needing a CDL to drive it, but with or without, same as changing it to an rv to get around the cdl stuff but i am having problems getting an insurance quote for it in any way. they were complaining that an indivual owns it not a company. i do not know why that matters.
thank you guys for the input, i will have a few places calling me back tommorrow and if they dont go threw then i will try those you guys recomended.
thanks
jason

[This message has been edited by zeroracing (edited June 23, 2004).]

zeroracing
Dirt Forum Champ
Total posts: 1875
posted June 24, 2004 02:05 PM  
today two new places said they would insure it no problem and the other places were being dumb, they could not understand thier reasoning behind it. all the other places that said no claimed that they dont insure trucks to indivuals since 9-11 if they are over 1 ton.

Ego Racing
Dirt Forum Champ
Total posts: 724
posted July 02, 2004 12:01 PM  
We ran into a problem here in Florida on a 1 ton pickup. There is something about if it was an original dual rear tire truck from the factory and "tagged" as a commercial truck we would have to have commercial veichle lisence and insurance. My insurance agent told us to get the VIN and have them run it and they could tell us if it was commercial or not. If it was shipped to the dealer as a single tire and the dealer made it a dual tire truck it would be a private also.
What a rip off.

mod4
Dirt Freak

Total posts: 223
posted July 02, 2004 04:20 PM  
Also in FL - the local cops started stopping ALL Dually's and asking the drivers for their CDL's, and writing tickets if you didn't have one, because a Dually is a "commercial vehicle".

Too bad they don't know the laws they are trying to enforce : FL State License Code # 322.53, subsections d and e state :

(d) exempt drivers of recreational vehicles

(e) exempt straight trucks who are exclusively transporting their own property which is not for sale

If you have a problem, be polite with the cop, take the ticket, and fry their butts in court, lol.

Road52
Dirt Roller

Total posts: 10
posted July 02, 2004 04:42 PM  
Try this site: http://www.rv-coach.com/buses/ng_wobn/ng_wobn.html
or do a google search for bus conversions. We have a Silver Eagle Bus that we are converting into a "Luxury Motor Coach", lol to pull our modified. Bought it almost 5 years ago and still haven't quite finished it, but State Farm said no problem...5 years ago, but now they can't help. Imagine that!!! Anyway, that topic is always coming up on these conversion boards. And yes, you will probably need a CDL with Haz-Mat endorsement..if you have over 8 (eight gallons) of flammable liquids on-board..not that which is in a fuel tank or cell, but in a drum or jugs. Good luck.

Wildside17
Dirt Maniac

Total posts: 119
posted July 02, 2004 07:37 PM  
With hazmat I think it is if you have more than a certain concentrated weight. Not sure but it is either 500 or 1000 lbs.

juliaferrell
Dirt Freak

Total posts: 370
posted July 02, 2004 07:57 PM  
For a CDL all vehicles weighing less than 26000 pounds are exempt unless they have air brakes. Also if you're pulling a trailer weighing less than 10000 pound.

racinruss00
Dirt Newbie

Total posts: 4
posted July 02, 2004 10:45 PM  
I think something that needs to be remembered concerning race operations. When you put a sponsor on the side of your race car or trailer, you race for money (although it amounts to peanuts)you are no longer considered a private operation, but are comercial. It doesnt matter if you have air brakes, or a 1/2 Ton P/U, DOT consideres it commercial. There are different rules for every state and it depends on intra state or inter state.


midmod34
Dirt Maniac

Total posts: 119
posted July 03, 2004 10:33 AM  
to get around the haz mat requirements we un hooked one of our saddle tanks from the truck cleaned it out. use it for methanol you should see people look when we back the car up to the truck put the hose in and fill up the car out of a saddle tank LOL keeps them guessing.

KK17
Dirt Freak

Total posts: 229
posted July 03, 2004 08:35 PM  
Racinruss is right..It don't matter if you're Freightliner is licensed as an "RV" as soon as you hook your race car to it you are a commercial enterprise which gets you a D.O.T. number, log books, rig inspection sheets,D.O.T. approved fuel containers(for methanol or race gas)no alchohol in tow rig or trailer(we put the barley pops in the bottom of our tool box) ,etc,...If you stay in the state which the vehicle is licensed you can get away with more than when you cross a state border..just becuase you haven't been messed with yet doesn't mean you're in the clear..best advice is get a copy of dot regs both for your state and federal(when crossing state line)...also back to the insurance deal..your vin number is where the high prices come from(weight,vehicle type)only thing to do is find a specialty company that specializes in "odd" stuff.

doowchuck
Dirt Forum Racer

Total posts: 92
posted July 05, 2004 07:26 AM  
I have been hauling with a Freightliner tractor & trailer. They are licensed commercial and I do all the required paperwork. As for the Menthanol, I assume that since racing is considered a commercial venture that the fuel is considered as (material's of trade) I have never been had this confirmed, but that is the way I interpert the law.
John

Road52
Dirt Roller

Total posts: 10
posted July 05, 2004 09:12 AM  
Just to make the muddy water a little clearer....Class 3 Flammable liquid, packing group ll (this would be either Gasoline or Methanol) is limited to just 8 gallons to count as a Material of Trade,as per 173.6(a)(i) in the HazMat regs. This means that if you have MORE than 8 gallons of gas in a COMMERCIAL OPERATION, doesn't matter about the weight, you have to have a HazMat endorsement.
Class 3 flammable/Combustible is listed in table 2...so if you have more than 1,001 POUNDS of Gasoline, then have to be PLACARDED on the trailer.
I guess its lucky for us racers that most enforcement agencies are weak on HM regs...if they don't see a Placard...they don't see HazMat. You reckon that all these landscapers driving around with their names on the pick-up door with 4 lawnmowers and 5 weedeaters with all kinds of gas jugs(more than 8 gallons) bouncing around the trailer has their HazMat endorsement??, lol "No habla, senor" would be more like it!!, lol Sad but true...none of us are illegal till we get caught, right?

Ego Racing
Dirt Forum Champ
Total posts: 724
posted July 06, 2004 11:17 AM  
quote:
Originally posted by midmod34:
to get around the haz mat requirements we un hooked one of our saddle tanks from the truck cleaned it out. use it for methanol you should see people look when we back the car up to the truck put the hose in and fill up the car out of a saddle tank LOL keeps them guessing.


Don't let them cath you, It could be considered a smuggling operation due to the concieled substance. (no joke) I saw several trucks being checked after a national event and the had DOT checking a few things, One truck got nailed using a fuel tank as an " unapproved transport container" during a fuel sulfer check. I don't know what the fine was but the rig was towed by the DOT and the occupants had to get a ride and a motel room until they could get the problem taken care of.

Back to the Archives