Re: Unimog insurance problems (Maine)

From: Jeff (jcerniglia@sbcglobal.net)
Date: Sun Apr 02 2006 - 06:16:15 PDT


Or you can do like a lot of guys do and just make sure
it has good realistic National guard markings and
camo, always wear BDU's while driving it and just
drive it just so with no reg. I know some guys who
have done this for years and have never ever been
stopped. Local and state police have no Jurisdiction
over the National guard and usually do not mess with
their vehicles. Kind of the radical approach but it is
done.

--- Sonny Heath <sonny@defuniak.com> wrote:

> Steve,
>
> I think I know how to get around it. Slide yourself
> a cabover camper on the
> bed and attach it with bolts and register it as a
> recreational vehicle.
> Your insurance will drop to about $300.00 a year for
> full coverage. Thats
> what I did in Florida. My liability insurance alone
> and tag was about
> $5000.00 a year and now the same vehicle only
> heavier is about $350.00 a
> year for full coverage and a tag.
>
> Sonny
> ----- Original Message -----
> From: "Glenn Shaw" <milspectruck@verizon.net>
> To: "Military Vehicles Mailing List"
> <mil-veh@mil-veh.org>
> Sent: Saturday, April 01, 2006 5:51 PM
> Subject: Re: [MV] Unimog insurance problems (Maine)
>
>
> > The CDL also requires a Road Te$t. Renewing my
> CDL is 170.00 each time it
> > comes up. I would avoid it if you can.
> >
> > Glenn
> >
> > -----Original Message-----
> > From: Military Vehicles Mailing List
> [mailto:mil-veh@mil-veh.org] On
> > Behalf
> > Of Stephen Grammont
> > Sent: Saturday, April 01, 2006 10:02 AM
> > To: Military Vehicles Mailing List
> > Subject: Re: [MV] Unimog insurance problems
> (Maine)
> >
> >
> > 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
> >
> >
> > ===Mil-Veh is a member-supported mailing list===
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> > To reach a human, contact <ackyle@gmail.com>
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> >
> >
> > ===Mil-Veh is a member-supported mailing list===
> > To unsubscribe, send e-mail to
> <mil-veh-off@mil-veh.org>
> > To reach a human, contact <ackyle@gmail.com>
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> >
> >
> > --
>
=== message truncated ===



This archive was generated by hypermail 2.1.4 : Tue Jul 18 2006 - 21:43:30 PDT