> Why would you expect any insurance company to provide insurance coverage to YOU to insure an asset that YOU do not legally own?
Because, I do legally own it. I just haven't transferred the title. HOWEVER that's irrelevant because we never get that far. We get to "oh, it's an ambulance?!" and the conversation dies.
> Do you have a Bill of Sale? What vehicle classification is listed on the current title you received from the previous owner/seller?
yes, bill of sale, and yes legally mine, and as I mentioned, it's classified as an ambulance.
> Go register the vehicle however you plan to do so and then search for insurance coverage based upon your new registration in your name and the new/changed vehicle classification for this Ambo.
I think you're missing the key point here. I have had the insurance agents check if it was even possible for them to insure an ambulance that was classified as a motor home and the answer is still "no". So, reclassification is largely irrelevant (so far). They don't get to anything more identifying than my name. They usually don't even get as far as looking up the vin.
The level of straight up "no"-ness here is amazingly high. It's not "oh, we could but we got into the fine details and x needs to happen first." It's "oh, we don't do ambulances." The happily tell me they'll do box truck conversions. They'll do bus conversions. They'll do all sorts of things converted to private use motor homes, but not an ambulance. They also won't do an ambulance being used as an ambulance. It's like ambulances are plague vectors to insurance agents "Keep it away!!! Burn it!!!"
> I would check with your DMV. I would be surprised if there is not some type of grace period for inspection given the fact that you have not take physical possession of the vehicle.
I have. They did not indicate that there was one.
> If nothing else you might have the seller change the date of vehicle sale date inspection date on your paperwork if possible to meet the state vehicle inspection guidelines.
The date of sale is irrelevant to inspection. I could wait 2 years before inspecting it if I wanted, as long as I do it within 7 days of registration. The DMV is fine with me transferring the title, and not registering (or inspecting) it, as long as i don't drive it. The DMV is also fine with me never transferring the title as long as I don't drive it. I could use it for modern art for all they care.
To be extra extra clear I've told them that I don't care what kind of policy they offer me, that I don't care if i have to wait until it's reclassified, and that I don't care if i have to start a company to own it. I will jump through whatever hoop they require of me. I spent a little time researching it today and I'm pretty sure I can start an ambulance company legally. I can't get licensed but that's a separate issue.