Is your trike titled as a motorcycle or trike?

Missouri here-

We got the new GL1800 in Iowa. It was titled as a motorcycle, the trike kit is considered an accessory. Brought it into Missouri and the MO title and registration came back with "2WHL" under body style. Had to have it inspected by the state police (the paper work, 551 form cost $27, also had a 4808 form) and he just noted it was a Honda Goldwing GL1800 converted to a trike with a kit. The frame, engine and transmission were not altered, so the VIN didn't change, just the designation from a "motorcycle" to "trike" on the title and "3WHL" under body style on the title and registration.

The 551 form is to get a copy or change the title if there was a mistake, typo, salvage or otherwise change the title. May be too late, but you may be able to get the title changed to reflect the "critical components" are stock, and the original VIN would apply.




My insurance company considers anything that did not come on the bike from the factory as an accessory. anything from the least bit of added chrome to our riding gear, the Bunkhouse camper when it is attached or on a trip and the trike kit is under the accessory coverage, which we pay extra for, bu it seems reasonable. Was well worth it during the last bit of unpleasantness with our former trike, a gl1500.

(The Whole sordid story here: http://www.triketalk.com/forum/gener...tale-tell.html ) If something happens, the accessories are covered at 100%, the original bike is covered at the assessed value. Currently we have accessory coverage to pay for a total loss of the Bunkhouse, trike kit, the $3500 worth of chrome and stuff the PO put on the trike and most of our riding gear. The stock policy comes with $3000 of accessory coverage, but it doesn't take much to max that out even on a stock bike.

Well, since I wrote the above the Department of Revenue of the State of Missouri Sent me a letter that they decided the trike was to be listed as "Special Construction Motortricycle". A DOR ID Number was issued, (essentially a new VIN #) and a tag was sent to the local State Police to be attached to the frame. The inspecting officer was a bit surprised the state bureaucrats went this way, but there it is. The state then sent me a new title, After that another inspection and inspection sticker placed, then off to re-register the trike under the new title. Had to get a new plate, as the old plate was for a motorcycle, and the new plate is assigned to the vehicle that is listed as a trike.

The insurance (Progressive) doesn't do full coverage on a vehicle with a state issued ID #, just liability.

Liability only isn't happening with a ride costing in the upper side of the 20-30 thousand dollar range. Went to the agent that writes our cars and household, she got the same amount of comprehensive, collision, and accessory coverage and so on for the trike, including $17000 for accessories.

Also got comp/collision etc. on the Harley with $5000 accessory coverage (Progressive included $3000) through Shelter and the rate went down $26 per year.

It's good to be finally totally legal and on the up and up
 

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