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Old 12-11-2015, 10:13 AM   #61
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Originally Posted by Donna D. View Post
Legally, the trailer doesn't belong to you until it's 100% paid for and you have the title in hand. Might be one of those things it's worth not paying the last $100 or so. That's easily handled with cash at time of pickup...
I understand the point you are making Donna, but I don't agree with you. Anyone who takes out a loan for a car or house or a trailer retains ownership of that property, even though they may owe money to a bank or some other entity. The bank or other entity does not retain ownership of the property, although they have some rights with respect to that property. However, a clear title to that property could not be obtained until the money owing on that property is fully paid off.
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Old 12-11-2015, 12:03 PM   #62
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It appears, if this forum is any indication, that most people get their tag, registration and title from their states before they pick up the trailer, and in many cases they have not completely paid yet. In other words, they have documents that make it appear that they own the trailer. Those documents may be dated, however, from the date of pick-up. Our insurance began on the date of pick-up. (Did not store at Escape.)

I believe that Escape is saying that you own the trailer upon the completion date (not really the date that you pay in full as someone there may have said). On that completion date, which is what should be in your paperwork, you become the owner, it seems. Whether you have obtained tag and title yet may be irrelevant, but the various authorities would all probably argue about that. It is a matter of completing the paperwork just as when you buy a car here from a dealer and they then may send In the paperwork to the state to finish it all.

It is possible that a Canadian company would insure it for storage. Unless one had to go through ICBC, I would not, just because of the high expense that I was told for their insurance, but that may have been for travel, not storage. But one may be required to go through them.

I am guessing that Americans have obtained insurance that appears to cover the storage in Canada because they gave their completion date to their insurance company and the company rep did not know or care that the trailer was being stored in Canada. The owners simply bought the insurance as if they were picking up, but were not. What problems there would be if a claim, no telling.

When some of these companies have said that they do not insure for storage in Canada, well, I was told by one that they would not insure a trailer FROM Canada at all. But they do. That agent may have thought that I was Canadian. No telling what they think the situation is with regard to Escape trailers being manufactured in Canada and imported by Americans. They may not have any basis to understand the question being asked when one says he wants insurance while the trailer is stored in Canada.

The biggest problems with the OP question are these: 1. One has to have an agent who knows what he or she is talking about. (I have had wrong information given to me many times.)
2. The agent has to know what you are talking about. They have to understand the whole situation with regard to American buyers of the trailer from Canada.

Apparently a Canadian company is needed. I would look for a company rather than using ICBC unless it is required to go through them.
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Old 12-11-2015, 02:54 PM   #63
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The biggest problems with the OP question are these: 1. One has to have an agent who knows what he or she is talking about. (I have had wrong information given to me many times.)
2. The agent has to know what you are talking about. They have to understand the whole situation with regard to American buyers of the trailer from Canada.
I spoke to my auto and home insurance company three times and each time I got a different representative and the same answer. Two representatives even spoke to the underwriters to make sure that they could not insure it.

This discussion has been very helpful and I see some good ideas to pursue. I am not going to do anything at this point until I can speak to Tammy and get better information.

This conversation also highlights that there is a lot of uncertainty surrounding this topic.
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Old 12-11-2015, 03:26 PM   #64
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This conversation also highlights that there is a lot of uncertainty surrounding this topic.
Yes, I'm quite surprised after 63 posts there's no definitive answer.

As much as I'm not a fan of "no choice insurer" for basic liability ICBC does have a pretty good track record with me for some not straightforward stuff. I would get a definitive answer from ICBC.

Generally speaking, most storage places in this part of the world seem to disclaim any responsibility for your goods while in storage. It's not unique to ETI.

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Old 12-11-2015, 03:31 PM   #65
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You can pull this off, just not as a NJ resident.
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Old 12-11-2015, 03:35 PM   #66
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I think we are spinning our wheels until OP hears from Tammy.
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Old 12-11-2015, 05:57 PM   #67
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Tammy does not have knowledge of what U.S. insurers do nor what individual states require, which is why ETI said to ask here. There is a clear answer that the U.S. companies will not insure storage there, so it seems that a Canadian company would be needed.

I would call some Canadian companies. May not be a problem. If they will not do it or it is very expensive, there is the alternative of flying in, having ETI deliver it to the border and then getting storage there in the U.S. and going back later.
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Old 12-11-2015, 06:00 PM   #68
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Tammy will know if it would be covered by their insurance from the time it is completed until it is imported to the U.S.
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Old 12-11-2015, 06:03 PM   #69
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Tammy will know if it would be covered by their insurance from the time it is completed until it is imported to the U.S.
She apparently has already said it is not, right?
I believe ETI is saying that you own it upon completion. (It also must be paid for upon completion.)

Storage facilities do not cover your trailer. You have to have your own insurance.
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Old 12-11-2015, 06:40 PM   #70
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OP reported "ETI said to ask here". That could be new front end staff. I don't recall him saying he had spoken to Tammy, which he is doing on Monday.
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