Need advice - Insurance while trailer in storage at Escape Industries - NJ Resident

[float5]

It sounds to me as if the U.S. insurance companies, by not insuring for storage in Canada, are simply following general practice, just as we have here between states. If an American is a legal resident of one state but keeps a vehicle primarily in a second state, in most cases the vehicle has to be registered and insured in the second state which is not their home state.

Insurance and registration usually go together so that may even mean registering in Canada for a time if a trailer is stored there, although perhaps registration is not required if the vehicle is not being moved.

No American who buys a vehicle in Canada has to import it into the U.S. Some don't. They may have a second home or job in Canada. They would have to register and insure in Canada even though they may be a legal resident of a U.S. state, if the vehicle is kept in Canada or primarily in Canada.

The companies determine if they are insuring by where the vehicle is stored, often using where it is kept when not in use. American companies may simpy not insure when primarily in Canada because they do not cover Canada and cannot in such a case.

[Ron in BC]

[QUOTE=Floating Cloud;120812

Insurance and registration usually go together so that may even mean registering in Canada for a time .[/QUOTE]

That hasn't been my experience with ICBC. I've obtained insurance on vehicles in both California and Oregon that I didn't own but intended on buying and driving back to Canada. All I needed was the VIN.

Ron

[gbaglo]

I need speculation insurance.

[float5]

Originally Posted by Ron in BC

That hasn't been my experience with ICBC. I've obtained insurance on vehicles in both California and Oregon that I didn't own but intended on buying and driving back to Canada. All I needed was the VIN.

Ron

Did you keep those vehicles in the U.S. with you being the owner for half a year as in this case? You did not have the same situation since you did not own them. That is why I said, "may." May not need registration. Also does not mean that a company did things as usual or required.

Also, you are a Canadian with the situation in the U.S., which may not be the same for agents or companies in Canada dealing across the border this direction. Government does not work the same both places.

Is the ICBC just an insurance company?

[Jim Bennett]

Originally Posted by Ron in BC

That hasn't been my experience with ICBC. I've obtained insurance on vehicles in both California and Oregon that I didn't own but intended on buying and driving back to Canada. All I needed was the VIN.

Ron

I too have never needed proof of ownership to get insurance on any vehicle, passenger or trailer. You do need proof of ownership to get registration for any vehicle, and proof of insurance for passenger vehicles.

[float5]

Originally Posted by Jim Bennett

I too have never needed proof of ownership to get insurance on any vehicle, passenger or trailer. You do need proof of ownership to get registration for any vehicle, and proof of insurance for passenger vehicles.

There is a big difference. I would say that without a doubt they are establishing here that you are the owner. They want years licensed, primary driver and all kinds of things.

[Jim Bennett]

Originally Posted by Floating Cloud

There is a big difference. I would say that without a doubt they are establishing here that you are the owner. They want years licensed, primary driver and all kinds of things.

We get that too for passenger vehicles. No need for proof of ownership though. In my experience insurance companies will ensure just about anything if you want to pay the premium they would charge. Heck, I was thinking about getting my hair insured, but they said I had to have some to do so.

[float5]

They wanted bill of sale for the trailer, copies of driver's licenses, checked records they have access to on us and all kinds of things. Had to provide records on the optional items we had installed that we bought and provided. Of course the VIN was a main item.

[escape artist]

Originally Posted by Jim Bennett

We get that too for passenger vehicles. No need for proof of ownership though. In my experience insurance companies will ensure just about anything if you want to pay the premium they would charge. Heck, I was thinking about getting my hair insured, but they said I had to have some to do so.

Hi: Jim Bennett... Bet the premium wouldn't be that much!!! Alf
escape artist N.S. of Lake Erie

[Jim Bennett]

Originally Posted by escape artist

Hi: Jim Bennett... Bet the premium wouldn't be that much!!! Alf
escape artist N.S. of Lake Erie

Truth! LOL

[Loren & Cathy]

Now I'm beginning to wonder. We have the trailer registered at our home address in Kansas, but it is stored in Missouri. All the insurance agent asked was where it would be stored and nothing more was said. Loren

[LeonW]

Originally Posted by Loren & Cathy

Now I'm beginning to wonder. We have the trailer registered at our home address in Kansas, but it is stored in Missouri. All the insurance agent asked was where it would be stored and nothing more was said. Loren

Have a look at your declarations page and see if it lists a Missouri address for the trailer. Probably this will be described as "The principle garaging address". In every policy I have looked at, the "principle garaging address" is used to determine the price you pay for the coverage, not whether or not the trailer is covered.

[LeonW]

Originally Posted by gbaglo

I need speculation insurance.

Bingo. because unless you look at the policy in question, it is just speculation.

[Brian B-P]

Originally Posted by Floating Cloud

Is the ICBC just an insurance company?

The Insurance Corporation of British Columbia (ICBC) is a government-owned insurance company which has a captive market (B.C. residents are forced to use ICBC to some extent) and also acts as a registration agency.

A trailer in storage is just property - not being operated as a vehicle - so I don't see any need to involve ICBC, although one could.

[Ron in BC]

[QUOTE=Floating Cloud;120821

Of course the VIN was a main item.[/QUOTE]

I have obtained insurance and driven a vehicle on the road that didn't have a VIN.

My point is that ICBC has departments that deal with non-routine situations and they would be the first people that I'd contact for a situation like this.

Ron

[gbaglo]

See post #53 on page 6 of this thread.

[Jim Bennett]

Originally Posted by gbaglo

See post #53 on page 6 of this thread.

Page 2, we are still on page 3.

[float5]

Originally Posted by Ron in BC

I have obtained insurance and driven a vehicle on the road that didn't have a VIN.

My point is that ICBC has departments that deal with non-routine situations and they would be the first people that I'd contact for a situation like this.

Ron

I agree. They should call ICBC and some regular insurance companies to make sure of what they are told.

Many states have provisions to deal with no VIN. There unfortunately is not the uniformity that there should be on the way vehicle registrations and insurance are done. No telling from one state to the next.

[float5]

Originally Posted by Loren & Cathy

Now I'm beginning to wonder. We have the trailer registered at our home address in Kansas, but it is stored in Missouri. All the insurance agent asked was where it would be stored and nothing more was said. Loren

I don't know, Loren. It is in your general area and not a second place you stay. Plus there are probably a lot of over the border situations around the country like yours. They are interested if you have a second place in the Southwest as a snow bird, for instance, and keep the vehicle there. Yours is not that kind of case.

[ichrisdr]

I spoke to Tammy. Specifically about damages or total loss of the trailer while in storage at ETI. ETI does have liability insurance that would cover for damages and POSSIBLY a total loss if stolen. Tammy is not sure if the insurance company would cover the total loss of a trailer if it were stolen. It has never happened so she doesn't know how much push back she would get from the insurance company if it where to happen. So she recommends storage insurance as a precaution.

I called ICBC and they only will insure a trailer registered in BC by a BC resident.