From: Sonny Heath (sonny@defuniak.com)
Date: Sat Apr 01 2006 - 21:24:38 PST
Steve,
I think I know how to get around it. Slide yourself a cabover camper on the
Sonny
> The CDL also requires a Road Te$t. Renewing my CDL is 170.00 each time it
This archive was generated by hypermail 2.1.4 : Tue Jul 18 2006 - 21:43:30 PDT
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.
----- 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)
> 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
>
>
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