If this legislation creates a DMV reporting requirement for Insurance Companies, please don’t follow the mess created by 13 other States. The data elements they request go way beyond what is needed (Named Insured, Ins. Company, Policy Term, VIN); the rest of the stuff they require is not necessary and causes consumers, agents and companies too much extra work and considerable expense.
As soon as a “disproportionate” number of minority “violators” get tagged under the law, its strict enforcement will be decried as “racist”. Officers will then be required to keep statistics on how many whites they cite in comparison to blacks and hispanics. The result will be that the officers won’t enforce the law unless they have to, and the law will become meaningless.
I really hate to sound so pesimistic, but after spending quite a bit of time in law enforcement before I went into insurance, and seeing otherwise well-inetntioned laws fail because they impact one minority or another on a “disproportionate” basis, I don’t hold out much hope.
I do not like the idea of paying for someone else’s irresponsibility. That is not democracy — that is just encouraging the continued sloughing off of a true consequence. They should lose their auto.
Many of the above comments included provisions in place in Louisiana. If you do not have liability insurance, your car is impounded-you lost it, end of story. You also cannot collect anything from the other parties insurance even if he was drunk and crossed the center line and hit your vehicle. Insurance companies give the required information to the state which includes the policy #, effective and expiration dates, VINs for all vehicles on the policy. The vehicles require the insurance which is the information passed on to the state. It works, people in that state are paranoid of not having an ID card with insurance to back it up if they get pulled over for any reason.
This will only penalize the innocent and the crocks will again find a way around it. More taxazation. Cann’t the government enforce the existing laws we already have?
Not only am I an insurance agent, I also am a victim of an uninsured motorist.
Recently, this legislation was passed in GA. Prior to implementation, they reported a 15% – 30% uninsured motorist ratio. As of this month, Georgia reports a 2.5% uninsured motorist ratio.
Utah, South Carolina, and several other states report similar statistics after their verification system was implemented.
My hat is off to Senator Staples, the author of the bill, who said “We have to realize that driving is a privledge, not a right, and with that privledge comes the need for Personal Responsibility.”
This was done in Louisiana, and the system was a mess! Because each company reports to the state, they staggered the reporting dates. This means that, if you changed companies, and your old company reported on the 5th, and your new company reported on the 25th, the state often picked up that you were uninsured, and your license was suspended immediately. Of course, when the new company reported your coverage with them, it was noted, but you still had to go to the local office to stand in line for hours to defend yourself.
I found the tracking to be quite flawed, and to this day, I don’t believe the data when they boast about the uninsured motorist rate being drastically reduced.
Yes, something must be done. Hats off to the DeSoto PD. Thanks, Tom, for that perspective! With folks like you working for all of us, I’m confident of a better outcome.
Kudos’! Finally an approach to get irresponsible drivers w/o insurance off the road. Why should law-abiding deivers pay outrageous ins. prem. in Harris County to support those who are uninsured. If you don’t have insurance your veh. registration should be revoked, your tags taken, and your license to drive suspended.
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If this legislation creates a DMV reporting requirement for Insurance Companies, please don’t follow the mess created by 13 other States. The data elements they request go way beyond what is needed (Named Insured, Ins. Company, Policy Term, VIN); the rest of the stuff they require is not necessary and causes consumers, agents and companies too much extra work and considerable expense.
My prediction:
As soon as a “disproportionate” number of minority “violators” get tagged under the law, its strict enforcement will be decried as “racist”. Officers will then be required to keep statistics on how many whites they cite in comparison to blacks and hispanics. The result will be that the officers won’t enforce the law unless they have to, and the law will become meaningless.
I really hate to sound so pesimistic, but after spending quite a bit of time in law enforcement before I went into insurance, and seeing otherwise well-inetntioned laws fail because they impact one minority or another on a “disproportionate” basis, I don’t hold out much hope.
I do not like the idea of paying for someone else’s irresponsibility. That is not democracy — that is just encouraging the continued sloughing off of a true consequence. They should lose their auto.
I have seen this work in north Carolina and the insurance compaines are happy with it.I am also glad to seen the AIAT work hard at this bill
Many of the above comments included provisions in place in Louisiana. If you do not have liability insurance, your car is impounded-you lost it, end of story. You also cannot collect anything from the other parties insurance even if he was drunk and crossed the center line and hit your vehicle. Insurance companies give the required information to the state which includes the policy #, effective and expiration dates, VINs for all vehicles on the policy. The vehicles require the insurance which is the information passed on to the state. It works, people in that state are paranoid of not having an ID card with insurance to back it up if they get pulled over for any reason.
This will only penalize the innocent and the crocks will again find a way around it. More taxazation. Cann’t the government enforce the existing laws we already have?
Not only am I an insurance agent, I also am a victim of an uninsured motorist.
Recently, this legislation was passed in GA. Prior to implementation, they reported a 15% – 30% uninsured motorist ratio. As of this month, Georgia reports a 2.5% uninsured motorist ratio.
Utah, South Carolina, and several other states report similar statistics after their verification system was implemented.
My hat is off to Senator Staples, the author of the bill, who said “We have to realize that driving is a privledge, not a right, and with that privledge comes the need for Personal Responsibility.”
This was done in Louisiana, and the system was a mess! Because each company reports to the state, they staggered the reporting dates. This means that, if you changed companies, and your old company reported on the 5th, and your new company reported on the 25th, the state often picked up that you were uninsured, and your license was suspended immediately. Of course, when the new company reported your coverage with them, it was noted, but you still had to go to the local office to stand in line for hours to defend yourself.
I found the tracking to be quite flawed, and to this day, I don’t believe the data when they boast about the uninsured motorist rate being drastically reduced.
Yes, something must be done. Hats off to the DeSoto PD. Thanks, Tom, for that perspective! With folks like you working for all of us, I’m confident of a better outcome.
Kudos’! Finally an approach to get irresponsible drivers w/o insurance off the road. Why should law-abiding deivers pay outrageous ins. prem. in Harris County to support those who are uninsured. If you don’t have insurance your veh. registration should be revoked, your tags taken, and your license to drive suspended.
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