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Old 12-12-2007, 01:17 PM   #21
MadseasoN
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I think it's a good program. The insurance companies should be paying for it though, not us. Afterall, they are reaping the most benefit from it.
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Old 12-12-2007, 01:27 PM   #22
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Old 12-12-2007, 01:31 PM   #23
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Actually we all benefit from this.

Our rates go up based on what the insurance company estimates they will have as far as losses/accidents for the next year, based on stats from the previous yr. So based on the number of losses a company incurs on one yr, they might increase or decrease the rate accordingly with the assumption the same trend in collisions will continue.

So more accidents, then more premiums need to be charge, less accidents, rates r reduced.

As far as this law, I see the cost for uninsured/underinsured motorist coverage being reduced, b/c the companies will be paying less for these types of claims from now on, so in a way this law would be beneficial, not only 2 u if ur in a collision cause by the other person, but if u carry uninusured/underinsured motorist, u can also expect a small decrease in ur rate probably 1-2 yrs from now, when the program gets up and running.

We've already started furnishing the state information for this program, so expect it in houston by may of next yr
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Old 12-12-2007, 01:32 PM   #24
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edit: just read your post Candy, thanks.
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Old 12-12-2007, 01:34 PM   #25
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Quote:
Originally Posted by Prodigy View Post
ok so what about if you get pulled over for driving a friends car?

Example driving a drunk friend home from the bar......Does this law mean your still covered under the owners policy?


Dont get me wrong I like the idea but it seems like there are still questions and many ways for the "MAN" to screw us.....
As long as ur not excluded from their policy, anyone that u give permission 2 drive is covered.

Now i have recently seen instances where, if ur not listed on the id cards, u'll get the ticket EVEN if the vehicle is insured, but u just have 2 go 2 court & show ur id cards for ur own vehicles as well as ur buddies.
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Old 12-12-2007, 03:42 PM   #26
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Quote:
Originally Posted by 1FastGSXR View Post
Actually we all benefit from this.

Our rates go up based on what the insurance company estimates they will have as far as losses/accidents for the next year, based on stats from the previous yr. So based on the number of losses a company incurs on one yr, they might increase or decrease the rate accordingly with the assumption the same trend in collisions will continue.

So more accidents, then more premiums need to be charge, less accidents, rates r reduced.

As far as this law, I see the cost for uninsured/underinsured motorist coverage being reduced, b/c the companies will be paying less for these types of claims from now on, so in a way this law would be beneficial, not only 2 u if ur in a collision cause by the other person, but if u carry uninusured/underinsured motorist, u can also expect a small decrease in ur rate probably 1-2 yrs from now, when the program gets up and running.

We've already started furnishing the state information for this program, so expect it in houston by may of next yr
No way I'm believing this for a minute! This is insurance companies looking to collect additional revenues exploiting a law for financial responsibility passed in Texas, nothing more.
All of the claims that an ins company recieves are redistributed to the people that are currently paying for insurance from them. They are not in the business of protecting peoples property, they are in the business of making money. This is one way they are sure to get it!
You can't tell me that average citizens are in Austin asking the State to crack down when it is a ins problem based on your policy. What we see here is the stroke that ins companies have in Austin to get there way.


This being said, I am glad that everybody gets to pay now because this just might be enough to insure that our rates for honest motorists might not go up. They should have neough money now to keep rates the same balancing the amount of claims.
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Old 12-12-2007, 03:47 PM   #27
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i've had my ins. premium go lower unexpectedly, for being safe drivers.
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Old 12-12-2007, 04:02 PM   #28
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Every lane on the toll way a few days ago had 2 cops standing there... if either of your tags were out they were checking registration and insurance.. they got the guy right in front of me... made things a little slow but i was glad they were doing something
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Old 12-12-2007, 04:10 PM   #29
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they should "expand" the program to include the cities where they KNOW they drive w/o insurance, , Channelview readily comes to mind, in fact, I'd prolly bet its the other way around, 1 in 5 have insurance
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Old 12-12-2007, 04:11 PM   #30
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Quote:
Originally Posted by castrolr1 View Post
Every lane on the toll way a few days ago had 2 cops standing there... if either of your tags were out they were checking registration and insurance.. they got the guy right in front of me... made things a little slow but i was glad they were doing something
thats awesome, but seriously, if they were serious about it, I can point to many many places where the odds of catching those w/o insurance are pretty good. I'm sure they know it as well.
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Old 12-12-2007, 04:13 PM   #31
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This needs to be shoved into overdrive.

I recently had an accident with a steaming pile o that had no insurance and no DL. Sad thing is the cop that showed up on the scene let him get back into his uninsured vehicle and continue on his way after writing the report. I am almost 99% sure no tickets were issued as well.

Good info!
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Old 12-12-2007, 04:16 PM   #32
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Wonder how much the database will cost to set up and maintain? The article list $7mil to one of four firms for two years. Guess who pays????

That's right, another government program we will pay for that will net more for a private company (insurance companies).

Accidents will continue at similar rate
+
Insurance companies will continue to pay out
+
More people will pay premiums to the insurance companies for fear of being caught
=
Insurance company sitting pretty


I'll just keep paying for full coverage and likely never see a drop in my premiums. But at least I can rest assured that it is more likely everyone has to pay. I have found my vehicles to be magnets for uninsured motorists. They could save a few bucks by just following me around.

Since this is my reality, I guess I'm a little happy that there will be fewer uninsured motorist on the road.
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Old 12-12-2007, 04:21 PM   #33
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You hear people about the cops ................but when you aren't on top of your S^%t all of a sudden " why are they picking on me . They should be out looking for a murder " Tough Sh&t !!! Keep your tags,inspection,Insc. up & If you don't have it TOW that sh^t !!!
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Old 12-12-2007, 04:22 PM   #34
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Quote:
Originally Posted by IAHKAT View Post
This needs to be shoved into overdrive.

I recently had an accident with a steaming pile o that had no insurance and no DL. Sad thing is the cop that showed up on the scene let him get back into his uninsured vehicle and continue on his way after writing the report. I am almost 99% sure no tickets were issued as well.

Good info!
That's FUC#'d up !
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I would join in but my KAWI is BROKE THE FU*K down again SO I BOUGHT A BUSA !!
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Old 12-12-2007, 04:32 PM   #35
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Quote:
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State to test program to stop uninsured drivers
08:12 AM CST on Monday, December 10, 2007
By TERRENCE STUTZ / The Dallas Morning News
tstutz@dallasnews.com

AUSTIN – Uninsured motorists will soon have a good reason to look over their shoulders when driving on Texas roads.

Beginning next month, the state will launch its long-delayed program to nab the estimated one in five Texas motorists who are violating the law by driving without insurance.

The insurance verification program will begin in Austin for two months and, if successful, will be expanded to Dallas and the rest of the state.

" Texas must continue to be relentless in getting an efficient system in place that penalizes and discourages people from not complying with the law," said state Agriculture Commissioner Todd Staples, who wrote the law that established the program while a member of the Senate in 2005.

Mr. Staples said the majority of drivers – who follow the law and have insurance – are being forced to pay larger premiums to subsidize those without insurance. The insurance industry estimates that Texas drivers shell out nearly $1 billion a year to protect themselves against those without coverage.

"We can't get this law in place soon enough," he added.

The program, funded with a $1 fee paid by Texans when renewing their vehicle registration each year, allows police officers, state troopers, vehicle inspection stations and others to instantly verify whether a motorist has the minimum insurance coverage required under state law. The verification will come through a central database set up with information provided by insurers.

About 20 to 25 percent of drivers – as many as 4 million Texans – are uninsured, according to state officials and the insurance industry. The state has roughly 16 million drivers.

Tom Vinger, a spokesman for the Texas Department of Public Safety, said officials wanted to test the program in one city for a couple of months to demonstrate that it will operate as intended.

"This is a huge undertaking, and we want the public to have confidence in the system," Mr. Vinger said. "The only way to do that is to have some field testing."

Although Texas has had a financial responsibility law requiring drivers to buy insurance for several years, enforcement has been difficult even though proof of insurance must be furnished to get a license renewal or safety inspection. The minimum policy must contain liability coverage to pay for injuries and damage caused by the driver.

Counterfeit cards

Millions of motorists skirt the law by using counterfeit proof-of-insurance cards or by obtaining a month's coverage of insurance to get an ID card, only to cancel the policy once they get their licenses renewed or their vehicles inspected.

To combat the problem locally, a growing number of cities, including several in North Texas , have started local programs to penalize uninsured drivers by towing their cars. Among those cities are Arlington , Dallas , DeSoto, Garland , Irving and Mesquite .

Under the state program, a driver pulled over for a traffic violation or involved in an accident will still be asked to produce proof of insurance. But the officer will also run the license plate of the vehicle through the insurance database to determine whether the driver really has insurance.

"We will check every person who is pulled over," Mr. Vinger noted.

A ticket will be issued to violators, subjecting them to a fine of $175 to $350 on the first offense. The fines jump on the second and third offenses – $350 to $1,000 – and the third offense can result in suspension of the driver's license and impoundment of the vehicle. Those who ignore the fines are subject to arrest.

Drivers caught without insurance also are put in the Texas Driver Responsibility Program, requiring them to pay an additional $250 a year to the state for three years.

One of the other lead state agencies in the effort is the Texas Department of Insurance, which has been working with the industry on the insurance verification program to reduce the chances for errors.

"Our tests so far indicate that we are matching 98.5 percent of insurance policies to the correct registered vehicles," said Melissa Burkhart, program coordinator at the insurance department. That is better than the original accuracy target.

"If everything goes as well as we expect [in Austin ], the program will be rolled out statewide a couple weeks later," she added.

HDI Solutions Inc., an Alabama-based firm that specializes in data management, was awarded a contract from the state about a year ago to set up the verification program. The company, which will partner with three other high-tech firms, will be paid $7 million over two years. HDI operates a similar program in Alabama .

Although the insurance checks will initially occur at traffic stops, they will be quickly expanded to annual vehicle registrations and, by next summer, to vehicle inspections. Some county tax collectors, who issue vehicle registration stickers, could be using the system as early as February.

Warnings

In addition, the state will contact drivers without insurance by mail, warning them of the consequences for not having insurance.

"All the pieces should be in place by the summer," Ms. Burkhart said.

Although the insurance verification law was passed in 2005, the program has been delayed as state officials and the insurance industry sought to make sure that mistakes would be minimal.

"The program has taken longer to get off the ground than had been anticipated, but if the initial pilot program proves to be accurate and can be implemented successfully statewide, the wait will have been worth it," said Mark Hanna of the Insurance Council of Texas, an industry group.

"The bottom line is Texans are tired of paying for the accidents and injuries caused by uninsured drivers."

Jerry Johns of Southwestern Insurance Information Service said the industry was skeptical about the effort because of problems with programs in other states – including erroneous ticketing of people who had insurance.

"But it is now the law, and we will work closely with TDI [the insurance department] and the vendor to make sure the program complies with the intent of the Legislature," he said.

A study conducted for the insurance and public safety departments indicated that in the 27 states that use similar insurance verification systems, the average percentage of uninsured motorists before the program was about 26 percent. After it was implemented, the number dropped to less than 10 percent.

"Based on these numbers and the estimated uninsured motorist rate in Texas of 20 percent, it is possible that there could be a 12 to 13-point reduction in the uninsured motorist rate in Texas ," the study said.

INSURANCE VERIFICATION: HOW IT WORKS

Uninsured drivers will be identified through a state database that will include information from insurance companies on all drivers who have policies on their vehicles. Drivers will be checked when they:

•Are stopped for a traffic violation by a law enforcement officer, who can run their license plate number though the database.

•Are involved in an accident.

•Obtain an annual vehicle inspection.

•Submit payment for a new vehicle registration sticker.

Also, the state plans to mail out warnings to drivers who are found to have no minimum liability insurance. Current minimum coverage limits are:

•$25,000 for injury or death of one person in an accident.

•$50,000 for injury or death of two or more persons.

•$25,000 for damage or destruction of property.


About DAMNED time!
AIN'T THAT THE TRUTH!?! Why would something like this take so long to be implemented? Better late then never though, need to hurry up with the test run and DO the t in Houston. Waaayyyyy too many folks on the roads around here without insurance.
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Last edited by CaJuNsOuLjA; 12-12-2007 at 04:34 PM.
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Old 12-12-2007, 04:34 PM   #36
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Quote:
Originally Posted by IAHKAT View Post
This needs to be shoved into overdrive.

I recently had an accident with a steaming pile o that had no insurance and no DL. Sad thing is the cop that showed up on the scene let him get back into his uninsured vehicle and continue on his way after writing the report. I am almost 99% sure no tickets were issued as well.

Good info!
Yeah that's some bOOlsh!t, same happened to a friend of mines not too long ago. She ended up having to make teh claim on her insurance, effectively raising her premium- only way she would be able to make the car run though. She paid towing as well...
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Old 12-12-2007, 05:34 PM   #37
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Finally they do something about this.
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Old 12-12-2007, 05:38 PM   #38
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Quote:
Originally Posted by ArturoC View Post
You would think that insurance rates would have been lowered/standardized when the original law passed requiring everybody to have insurance in the first place. I don't remember that happening. :dontknow:

So now that there is a way to enforce it, will it happen?

I don't know, just seems shady.
if someone could reassure me that lobbiests has nothing to do with this law, i might buy it. otherwise, i think it's just a way for insurance companies to make more money through the use of fear. if people cant afford insurance or dont want to get it, they wont get it, period.
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Old 12-12-2007, 05:52 PM   #39
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Quote:
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i've had my ins. premium go lower unexpectedly, for being safe drivers.
Maybe they gave you a Senior Citizen discount.


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