Re: [BULK] Re: Unimog insurance problems (Maine)

From: Sonny Heath (sonny@defuniak.com)
Date: Sun Apr 02 2006 - 06:50:51 PDT


Well, I'm sure that just got blown to hell. It dosen't take long for
something to go around the world on the WWW.

Sonny

----- Original Message -----
From: "Jeff" <jcerniglia@sbcglobal.net>
To: "Sonny Heath" <sonny@defuniak.com>; "Military Vehicles Mailing List"
<mil-veh@mil-veh.org>
Sent: Sunday, April 02, 2006 8:16 AM
Subject: [BULK] Re: [MV] Unimog insurance problems (Maine)

>
> 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
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>> > Visit the searchable archives at
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>> >
>> >
>> > --
>>
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