Cohousing-L Mailing List: Re: Group ownership of a truck

[Craig Ragland (craigragland]

We also shared an older pickup truck (informally) at Songaia for several
years.

The challenge was the headaches that arose when a non-owner had an accident,
increasing the owner's insurance cost... this may not be an issue in other
states with different insurance practices.

A few of us started investigating the creation of a formal organization that
does bite the bullet to get the group insurance on multiple vehicles.
Increased cost, yes- but if these costs shared across multiple users, it
becomes less an issue.

The two primary drivers for this effort were also on the 2009 Cohousing
Conference Core Team. We decided to put this project off until after the
conference, as it consumed rather an enormous amount of our energy. I'll
share more about the Conference soon, but need to go off-line to restore my
brain which was a bit over-stimulated.

Also, last night we had four guests from the conference here and I have more
hosting I need to do right now.

Craig

On Mon, Jun 29, 2009 at 10:11 AM, Rob Sandelin <floriferous [at] msn.com> wrote:

>
> I have done this a few times. In our state it is really expensive to get
> corporate or group insurance for a vehicle, its more than twice the rate
> than regular. So what we did was have the person with the best insurance
> rate own and insure the vehicle. Then we divided up the monthly costs per
> person.  We started out with a mileage record but that got too complicated
> so we went with a set monthly fuel fee. This raised a bit more money than
> we
> spent (we had a gas credit card) which went into a maintenance fund.
> Scheduling was pretty easy most the time and being in a community if there
> was a glitch we could almost always find another car to borrow.
>
> If I were to do it again, and I probably will, I would add an extra bit for
> maintenance and repairs to the monthly fee.
>
> Rob Sandelin
> Sharingwood Community
> Snohomish County, WA
>
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