Re: Unimog insurance problems (Maine)

From: Arthur Bloom (m35prod@optonline.net)
Date: Sun Apr 02 2006 - 11:16:49 PDT


Right (not)

Tell that to a judge, and he'll be laughing out loud. It's not what you say
(or have printed on your BDU's) it's what the perception of a reasonable
person would be.

APB

----- Original Message -----
From: "Patrick Jankowiak" <recycler@swbell.net>
To: "Military Vehicles Mailing List" <mil-veh@mil-veh.org>
Sent: Sunday, April 02, 2006 12:10 PM
Subject: Re: [MV] Unimog insurance problems (Maine)

| If you like to wear BDUs, make sure you got no 'army' name tapes on them.
| then you are not impersonating.
|
| Arthur Bloom wrote:
|
| > Yesterday was April 1st. I think your advice would have been appropriate
| > then.
| >
| > Today, it seems to be the worst possible advice I have seen on this list
in
| > several years. If a person were to follow your advice, and get into an
| > accident, the sh*t storm that would follow would be of Biblical
proportions.
| >
| > Can you say "Leavenworth"? Can you say "20 years of hard labor"? Can you
say
| > "All assets (house, land, bank accounts, business interests) forfeited"?
| >
| > ..."Local and state police have no jurisdiction over the National
Guard..."
| > is what you think? They DO have jurisdiction over criminal
impersonation in
| > the first degree, which in NY is a Class D felony. They DO have
jurisdiction
| > over persons driving without a license, registration, insurance,
inspection,
| > or other documentation.
| >
| > Please tell us your were April Fool-ing.
| >
| > APB
| >
| >
| >
| >
| > ----- Original Message -----
| > From: "Jeff" <jcerniglia@sbcglobal.net>
| > To: "Military Vehicles Mailing List" <mil-veh@mil-veh.org>
| > Sent: Sunday, April 02, 2006 9:16 AM
| > Subject: 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===
| > | > > To unsubscribe, send e-mail to
| > | > <mil-veh-off@mil-veh.org>
| > | > > To reach a human, contact <ackyle@gmail.com>
| > | > > Visit the searchable archives at
| > | > http://www.mil-veh.org/archives/
| > | > >
| > | > >
| > | > > ===Mil-Veh is a member-supported mailing list===
| > | > > To unsubscribe, send e-mail to
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| > | > > To reach a human, contact <ackyle@gmail.com>
| > | > > Visit the searchable archives at
| > | > http://www.mil-veh.org/archives/
| > | > >
| > | > >
| > | > > --
| > | >
| > | === message truncated ===
| > |
| > |
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