From: MV (MV@dc9.tzo.com)
Date: Sat Apr 01 2006 - 16:36:08 PST
Have you talked to Gulfway or JC Taylor or?? I'd shop around.
Progressive is a bad company IMO - to be avoided at all costs. They
customer feedback is really bad. Just do a google on "Progressive
insurance rating".
If you are only doing liability - I'd say that you should be in the no
greater than $500 range.
CDL - If Maine has adopted the Federal statutes on commercial motor
vehicles - and they follow that line - then you have to be above 26K GVW
or hauling a trailer > 10K to get into CDL land. Air over hydraulics
brakes is nonsense. It should be irrelevant.
Be warned that if you have a CDL and you get nailed - the penalites are
tougher than if you do not have a CDL.
OH, also if they follow the CDL rules - your vehicle (MOG) would have to
pass all DOT tests to be qualified as a CDL vehicle. Does a MOG meet
all current federal vehicle standards?? You will also need your MOG
inspected by a commercial inspector and get your sticker - before you
can use your non commercial MOG to get your CDL.
Steve - all that I can say is that none of this makes any sense at all.
Dave
Stephen Grammont wrote:
> Hello Arthur,
>
>> Are you talking about full coverage? Liability only? Fire & theft?
>> Collision? What level of liability? $100/$300K? That would be the
>> minumim I
>> would have,
>
>
> I didn't even ask what the coverage amount was because I was in shock.
> It was for liability and collision. The point is, that was my single
> "take it or leave it" option, which just doesn't sit well with me.
>
>> and $1300 doesn't seem out of line.
>
>
> As I said, I currently have THREE vehicles with equal or greater
> coverage for just about the same amount of money. In another state
> $1300 is probably a bargain, but up here everybody I mentioned it to had
> their eyes pop out in surprise. So relative to my other insurance, it's
> an incredibly large difference. I was guessing around $600 due to the
> weight.
>
>> You can register it as an
>> historical vehicle, and pay about $350. That would, however, limit
>> your use
>> of the truck.
>
>
> Limit it to the point of uselessness, unfortunately, so that isn't an
> option. The insurance quoted was for either commercial or agriculture
> (they won't do passenger due to the weight), so no difference based on
> how I register it. I might save money on the registration itself, and
> perhaps don't need a CDL (checking into that Monday), but it apparently
> doesn't change my options vis a vis the insurance company.
>
>> A CDL is not required to drive a vehicle with air-ASSISTed brakes, any
>> more
>> than it would be required for vaccuum-assisted brakes. The key word is
>> air-over-HYDRAULIC. That means that the brakes still work
>> hydraulically even
>> if the air supply fails. Tell them that.
>
>
> Apparently this is not the case in Maine. I was first tipped off by a
> friend who is a commercial tower and he said I'd need one. Not
> believing him, I called down to the head office and was told the same.
> But I'm not done since I still don't believe them. On Monday I'm going
> to call down again and this time request they direct me to the exact
> paragraph in the motor vehicle code that specifies that air assisted
> brakes are worthy of a CDL.
>
>> How did the subject come up in your discussions with the Dept. of Motor
>> Vehicles?
>> Did they ask you, or did you offer the info? You need to say
>> nothing and offer no facts when dealing with the state-sanctioned Mafia
>> known as the DMV. Nowhere else is your right to remain silent more
>> useful.
>> Go to another office, and this time, let them do the talking.
>
>
> Very bad advice. Two reasons:
>
> 1. Ignorance is no excuse. If I'm pulled over and someone figures out
> that I need a CDL, I'm busted. Period. It won't matter if old Harlan
> down at Augusta DMV didn't remember to ask me what kind of brakes it
> has. I'm supposed to know that I need a CDL. First time I get busted I
> can probably talk my way out of it, but since I live in a small town my
> chances that it is the same cop is about 1 in 4. So might as well get
> it if I need it.
>
> 2. Insurance companies love technicalities. If I get into an accident,
> and I don't have the required license to drive the Mog, guess what? My
> insurance company will null and void my coverage, arguing that I was not
> legally allowed to drive the vehicle and therefore am not covered under
> the policy since it only covers legal drivers. I'll be on my own to
> face whatever liability resulted from my accident. All the money I
> spent on my insurance would not be refunded either.
>
> I've had enough experience with insurance companies (the state regulated
> Mafia) to know, for a fact, that they always wind up winning. Doesn't
> even matter if they are within the law. If they want to screw you (and
> they generally do) they will. Giving them an excuse like an incorrect
> driver's license is equal to dropping your drawers and bending over
> before they even tell you that was what they had in mind. Apologies to
> any insurance folks on this list... but I have good reason to say these
> things.
>
> The thing is I don't care about the CDL. It's $35 and a written test.
> Despite the surprise it isn't a big deal, especially when it is put next
> to the risks of not getting one. The big deal is the insurance cost,
> which has nothing to do with needing or not needing a CDL. That's what
> I'm trying to find a way around.
>
> Steve
>
>
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