SECURITIES AND EXCHANGE COMMISSION

                              Washington, DC 20549

                                    FORM 8-K

                                 CURRENT REPORT


     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

         Date of Report (Date of earliest event reported) July 12, 1999

                              Motor Club of America
             (Exact name of registrant as specified in its charter)


New Jersey                               0-671               22-0747730
(State or other jurisdiction             (Commission         (IRS Employer
of incorporation or organization)        File Number)        Identification No.)

                                95 Route 17 South
                             Paramus, NJ 07653-0931
                    (Address of principal executive offices)

Registrant's telephone number, including area code: (201) 291-2000


          (Former name or former address, if changed since last report)









Item 5 - Other Events

     On July 12,  1999,  the  shareholders  of the Issuer  voted to approve  the
proposed  acquisition of North East Insurance  Company  ("NEIC") of Scarborough,
Maine, and an alternative  plan of financing the acquisition  whereby the Issuer
will be able to raise up to $10 million in convertible subordinated debentures.

     The Issuer was also  informed  by NEIC that  NEIC's  special  shareholders'
meeting had been  adjourned  to July 20, 1999,  because a  sufficient  number of
proxies to constitute a quorum had not been received.  The Issuer  announced its
willingness to extend until July 23, 1999 the date by which the acquisition must
be  consummated,  beyond  which  date  either  party may  terminate  the  Merger
Agreement. At least 75% of the NEIC shares must approve the proposed acquisition
for it to occur.

Item 7 - Financial statements, pro forma financial information and exhibits.

(c)      Exhibits.

Exhibit No.                Description

99                         Press release dated July 12, 1999.



                                   SIGNATURES


     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned, thereto duly authorized.

Dated:   July 14, 1999


                            MOTOR CLUB OF AMERICA


                            By  /s/ Patrick J. Haveron                __________
                            Patrick J. Haveron
                            Executive Vice President and Chief Financial Officer



                                  EXHIBIT INDEX

Exhibit No.                Description

99                         Press release dated July 12, 1999.