- a Workers On Wheels reader asks....
(How Do I Get RV Insurance When I Don't Have an RV?)
RV Insurance, Domicile, and Mail Forwarding
I plan to make South Dakota my state of residence and domicile using an RV mail forwarding service. I don't have an RV, which SD doesn't seem to care about, but I am having trouble locating an insurance company that will work with me.
RV insurance companies say my vehicle, little flatbed trailer, and tent camping arrangement can't be insured, because it isn't an RV. Auto insurers say the mail forwarding address is not an acceptable physical address.
Do you have any tips that might help me?
Coleen, the RVing editor replies:
You've heard that saying about mixing apples and oranges, right? Well, you have fruit salad! Apples, oranges, bananas, and grapes, too.
Seriously, you are mixing up several different issues. Lets look at them one by one.
~ Domicile. Your domicile is not determined by your mail forwarding service. Your domicile is determined by your intent and the actions you take to demonstrate that intent. Your mailing address may or may not be one factor. Other factors are where you spend time, where you keep your belongings, where you refer to as home, where you bank, where you belong to organizations, where you belong to a church, etc. Even such things as where you have a library card. If you have a house or rent an apartment, or lease a long-term RV site could be factors. Although you might be traveling to many states as a full-time RVer, what state do you intend to be your home state?
~ Vehicle Insurance. Since you don't have a recreational vehicle, don't go to an insurance company that only insures RVs. I understand you may feel like your tent is an RV, and you may live in it, but that doesn't make it a vehicle.
~ Mail Forwarding Service. A mail forwarding service is just that: an entity that provides an address for your mail delivery, and then subsequently sends your mail on to you. It is usually possible to use your mail service address as
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