There was some postings on my RV list a while back. Can't open a bank account, etc. Possible unintended consequence, what happens to the homeless who DON'T WANT to be? (As opposed to those who choose to be). Suggestion: One poster said his solution was to buy a small piece of property and install a mailbox. ******************************* Elliott Bray ******************************* > Date: Wed, 25 Nov 2015 12:21:40 -0500 > From: Steve Sipe <lists@maerin.net> > To: Trawlers and Trawlering <trawlers@lists.trawlering.com> > Subject: T&T: Non-owned vehicle insurance ... Snip ... Primarily > liability coverage. He also suggested it might be easier to > obtain coverage in the state in which we are licensed (FL). > I checked with an acquaintance who is a Progressive agent, > also called Geico, both no-go. They want a residence address, > and since our 411 Walnut St. comes up as a PMB when they run > it, they balk. > > We've run into this with financial institutions, health > coverage, all those entities that don't comprehend that folks > can live aboard and not have a fixed address. ... Snip ... > > Suggestions? > -- > ------- > Steve Sipe > MTOA #3962 > Solo 4303 /Maerin/ > Lying Brunswick Landing >

For the record, I'm following this discussion closely because I will be in the exact same boat (pardon the pun) just as soon as we sell our bus (what we lived in before the boat). So let me respond to a couple of the comments: On 11/26/2015 08:58 AM, Elliott Bray via Trawlers-and-Trawlering wrote: > ...One poster said his solution was to buy a small piece of property and > install a mailbox. Sorry, this does not work. We tried it, when we first moved onto the bus over a decade ago. The USPS is forbidden by law from delivering mail to a property without a structure on it, so you can't just put up a mailbox. You'd need at least a trailer or some other type of structure. That would have taken the empty property we owned into a whole different tax realm. And... On 11/26/2015 11:21 AM, Sue Tomback via Trawlers-and-Trawlering wrote: > ... we use our marina address as our home address. Marina addresses are fine for all purposes. The problem is when you don't live at a marina -- we have a PMB as our only address. And while that may seem like it is indistinguishable from an apartment address or a business suite, companies in their zeal to comply with Patriot are using databases of PMB providers to suss out PMB addresses and deny service to them. Since all PMB providers are required to register with the USPS, these databases are complete; there is no getting around them. And... On 11/26/2015 05:10 PM, Phil de l'Etoile via Trawlers-and-Trawlering wrote: > ... but my recollection is that the Auto insurance follows > the car. IOW, if you are using a vehicle with the permission of the owner, > that owner's insurance is primary as respects liability. This is true, but it does not help. My general liability carrier who issues my umbrella policy mandates that I maintain a certain minimum liability coverage on underlying motor vehicle and dwelling policies. So if I borrow or rent a vehicle where the owner has insured for less (or worse, opted not to insure), I can be left high and dry for any liability allegedly due to my actions. The umbrella carrier can not only make me cover the liability up to their mandatory minimum (a half million dollars), but could even use the lack of underlying coverage as a basis to deny a claim. So to amplify on Steve's later comments: On 11/26/2015 07:05 PM, Steve Sipe via Trawlers-and-Trawlering wrote: > I have coverage for rentals, it's not the primary objective. I did > look into AmEx and their website specifically excludes liability, ... > My concern and that of my former agent and friend is liability > coverage for loaned or borrowed vehicles, since I no longer have > homeowners or auto insurance. Those policies would typically provide > liability coverage in the event there was a claim while I was driving > a borrowed vehicle, and that liability coverage would kick in at the > limits of the coverage provided by the vehicle owner's policy, > protecting me from their carrier, in essence. ...yes, this is exactly the problem. I, too, can cover the CDW on a rental car, if not out of my own pocket, then using one of a half dozen credit cards that will provide this coverage as "primary" (most credit cards provide only secondary coverage for rental cars, behind your own personal policy), including AMEX ($20 per rental charge), Chase Saphire, and a few others. But none of those provides liability coverage; they only cover the cost of your rental car itself, not damage or injuries you cause to others. Lest anyone here think it does not apply to them, I submit that most of us at one time or another have used a "courtesy car" at a marina. Did you ask them what their insurance covers, or how much liability they carried? If you have a home and a car and insurance for both, you were most likely covered. I most assuredly will not be. -Sean m/y Vector lying New Bern, NC http://OurOdyssey.BlogSpot.com