If the insurance carriers could only issue insurance id cards for the period that the insurance premium is paid for ie. monthly payment 1 month ID card. There is technology out there now a days that will do that. What happens is people get a 6 month policy and pay the first months payment and quit paying the rest and it looks like they have 6 months of coverage on their Proof on Insurance Cards when in fact they dont have any insurance at all beyond the first month.
Insurance carriers can and do issue one month ID cards on monthly policies, but they cannot issue one month cards only on a six month policy because they are not allowed to do so. You are right, the practice of getting the ID card for 6 or 12 months and then not paying any more premium has been an ongoing practice for many many years. Delaware has an excellent idea but why give them numerous opportunities to give them proof, and how are they going to be sure the insurance verification is valid before giving them back their plates?
I think they should go one step further and attach a temp license plate that says “I am an uninsured motorist” and make it hot pink and glow in the dark!
The idea of an insurance card for the period of time the insurance is paid for is great. It will not work… Once uninsured always uninsured. How about using a 3 strikes policy and only issuing a registration for the period of time the insurance is paid for. That won’t work either, they will just drive without a registration. Once uninsured always uninsured.
First, let me preface my remarks by saying not everyone who is a scofflaw is poor.
Legislation that requires an outlay of money from those who have no extra money is futile and stupid.
A large percentage of our citizens can barely keep a roof over their head and feed themselves and their families.
I assure you if I was in that position, I would not buy auto insurance. I would first buy health insurance, which, by the way, I wouldn’t be able to afford either.
Oh, you may say, then you shouldn’t own or drive a car!
I hear that piece of utter ridiculousness all the time.
The poor need shelter, food, water& power and, in most cases, a car. They need the car to get to and from work and the other transportation necessities that our modern living/working infrastructure requires.
You want to make the poor buy insurance they can’t afford, that does nothing to feed or house them or improve their condition in any way, shape or form.
The poor also are a burden on our health/medical infrastructure.
They don’t have the money for health insurance and preventive health care. Thus, we subsidize them through higher doctors’ bills, hospital costs and, of course, higher health insurance premiums.
Why not pass a law that requires everyone to carry health insurance and have regular check-ups?
Let me start out by saying that having a car in this country isn’t a right, it is a privlege! I work in the property and casualty side of insurance and this bill has to be past. Why should the people that pay their insurance every month on time have to pay for the loser’s out their that make too many excuses for why they can’t afford it. Maybe they should buy a less expensive car instead of going to Deals on Wheels and buying the most expensive SUV available. And Of course someone is going to complain that they can’t afford the insurance on their $40,000. If these complainers would by a more reasonalbe vehicles than they would be able to afford the insurance.
If you can’t afford to pay for insurance than take the bus or get a bicycle! Public transportation is available in the first state. In other countries people can’t even afford the gas to dirve, but yet they still manage to get to around just fine through public transportation.
First, I qualified my comments by saying that not all scofflaws are poor (losers).
Second, I have over thirty years as a P&C personal lines agent, so I, too, am very experienced with customers ranging from poor to very rich. Perhaps your book of business does not include people of very modest means (losers).
Now, to the meat:
I agree that owning a car is not a right, but in most cases it is a necessity. I know people who have had to use public transportion to go to and from work, do the shopping, keep appointments, etc.
I really don’t think most people have any idea of the of the time and difficulty involved. They only think of “I’ll drive my car to the station and hop on the commuter train to work.” Of course, when they get back, they get in their car and stop at the supermarket to pick up food and other things. They also don’t use public transport to go to appointments or pick up the kids.
Nope – can’t buy that argument. And by the way, food, water and heating is not a right, either. Nor is medical care.
I don’t know any poor people (losers you call them) who can afford a $40,000 SUV. First, they can’t pay in cash. Second, they can’t afford the down payment, assuming they qualify for financing. Third, if they did finance this here SUV, they’d be required to carry at least VSI Collision & Comp – which is usually more expensive than getting a regular auto policy with Liability and Coll & Comp included.
Now, if you are talking strictly about those who have the money and still don’t buy liability insurance, we are in agreement – they are scofflaws.
In Multnomah County, if a person is unable to provide proof of auto insurance and is stopped while driving uninsured, that vehicle gets towed right there and then. We have even received phone calls from police officers at the scene, wanting to verify coverage. While not a perfect plan, it does remove an uninsured auto off the road for a time.
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If the insurance carriers could only issue insurance id cards for the period that the insurance premium is paid for ie. monthly payment 1 month ID card. There is technology out there now a days that will do that. What happens is people get a 6 month policy and pay the first months payment and quit paying the rest and it looks like they have 6 months of coverage on their Proof on Insurance Cards when in fact they dont have any insurance at all beyond the first month.
Insurance carriers can and do issue one month ID cards on monthly policies, but they cannot issue one month cards only on a six month policy because they are not allowed to do so. You are right, the practice of getting the ID card for 6 or 12 months and then not paying any more premium has been an ongoing practice for many many years. Delaware has an excellent idea but why give them numerous opportunities to give them proof, and how are they going to be sure the insurance verification is valid before giving them back their plates?
I think they should go one step further and attach a temp license plate that says “I am an uninsured motorist” and make it hot pink and glow in the dark!
The idea of an insurance card for the period of time the insurance is paid for is great. It will not work… Once uninsured always uninsured. How about using a 3 strikes policy and only issuing a registration for the period of time the insurance is paid for. That won’t work either, they will just drive without a registration. Once uninsured always uninsured.
First, let me preface my remarks by saying not everyone who is a scofflaw is poor.
Legislation that requires an outlay of money from those who have no extra money is futile and stupid.
A large percentage of our citizens can barely keep a roof over their head and feed themselves and their families.
I assure you if I was in that position, I would not buy auto insurance. I would first buy health insurance, which, by the way, I wouldn’t be able to afford either.
Oh, you may say, then you shouldn’t own or drive a car!
I hear that piece of utter ridiculousness all the time.
The poor need shelter, food, water& power and, in most cases, a car. They need the car to get to and from work and the other transportation necessities that our modern living/working infrastructure requires.
You want to make the poor buy insurance they can’t afford, that does nothing to feed or house them or improve their condition in any way, shape or form.
The poor also are a burden on our health/medical infrastructure.
They don’t have the money for health insurance and preventive health care. Thus, we subsidize them through higher doctors’ bills, hospital costs and, of course, higher health insurance premiums.
Why not pass a law that requires everyone to carry health insurance and have regular check-ups?
That makes as much sense!
Let me start out by saying that having a car in this country isn’t a right, it is a privlege! I work in the property and casualty side of insurance and this bill has to be past. Why should the people that pay their insurance every month on time have to pay for the loser’s out their that make too many excuses for why they can’t afford it. Maybe they should buy a less expensive car instead of going to Deals on Wheels and buying the most expensive SUV available. And Of course someone is going to complain that they can’t afford the insurance on their $40,000. If these complainers would by a more reasonalbe vehicles than they would be able to afford the insurance.
If you can’t afford to pay for insurance than take the bus or get a bicycle! Public transportation is available in the first state. In other countries people can’t even afford the gas to dirve, but yet they still manage to get to around just fine through public transportation.
To Joe
This is a rebuttal to my piece?
First, I qualified my comments by saying that not all scofflaws are poor (losers).
Second, I have over thirty years as a P&C personal lines agent, so I, too, am very experienced with customers ranging from poor to very rich. Perhaps your book of business does not include people of very modest means (losers).
Now, to the meat:
I agree that owning a car is not a right, but in most cases it is a necessity. I know people who have had to use public transportion to go to and from work, do the shopping, keep appointments, etc.
I really don’t think most people have any idea of the of the time and difficulty involved. They only think of “I’ll drive my car to the station and hop on the commuter train to work.” Of course, when they get back, they get in their car and stop at the supermarket to pick up food and other things. They also don’t use public transport to go to appointments or pick up the kids.
Nope – can’t buy that argument. And by the way, food, water and heating is not a right, either. Nor is medical care.
I don’t know any poor people (losers you call them) who can afford a $40,000 SUV. First, they can’t pay in cash. Second, they can’t afford the down payment, assuming they qualify for financing. Third, if they did finance this here SUV, they’d be required to carry at least VSI Collision & Comp – which is usually more expensive than getting a regular auto policy with Liability and Coll & Comp included.
Now, if you are talking strictly about those who have the money and still don’t buy liability insurance, we are in agreement – they are scofflaws.
In Multnomah County, if a person is unable to provide proof of auto insurance and is stopped while driving uninsured, that vehicle gets towed right there and then. We have even received phone calls from police officers at the scene, wanting to verify coverage. While not a perfect plan, it does remove an uninsured auto off the road for a time.
I think this bill makes a lot of sense and should be a no-brainer to push through.
Sincerely,
Pat Graham