EVERY TEXAS INSURANCE AGENT SHOULD CALL HIS SENATOR IN AUSTIN AND ASK THEM TO SUPPORT THIS BILL. THIS BILL IS GOING IN THE RIGHT DIRECTION TO IMPROVE TEXAS INSURANCE PROBLEMS.
Who is going to pay for this? If it is left to the companies, that would result in higher premium or fees to all of us that obey the law. Let’s penalize the people causing the problem and not the people that abide by the law.
It has been a given that some individuals will always try to find a way to avoid purchasing motorists liability insurance.
Now with up to 20% of motorists being uninsured it’s time to take action. If all motorists were required to pay a tax on their gasoline that would go to insure that anyone driving a vehicle, therefore buying gasoline to fuel it, would be insured for at least the minimum legally required amounts of insurance. If one assumes that most motorists drive at least 12,000 miles per year and are getting 20mpg., then most motorists would be paying $600/year. This would more than adequately cover the costs of liability insurance for such a driver. The motorist would still have to choose an insurance agent and if he was subject to higher premiums because of his driving record or if he wanted greater liability insurance and collision insurance or any other personal choice then the motorist could so inform his agent and the carrier could bill him for the additional premiums, just as they bill him now. The question of how to recompense the carrier for the minimally required liability would be solved by creating a non-profit organization that would be paid all of the taxes collected for liability insurance at the pump. It’s receipts of at the pump taxes could be claimed by carriers through submission by the carrier of a list of its policyholders. Monies could then be remitted to the carrier after computer verification that no duplicate claims were being submitted by any carrier. This organization could be created by the legislature and the governor could appoint knowledgeable individuals to oversee it’s activities.
The benefits of this plan are obvious, first no driver would be without the minimally required liability insurance, second the costs that our hospitals bear for victims of uninsured motorists would be eliminated. Current estimates put those costs at $90 million a year.
No one likes taxes, but this tax would be offset by: (1)the absence of premiums for liability insurance. Also insurance companies would have 20% more policyholders of this type of insurance. (3)All claims due to accidents would be covered, to the level of minimal requirements for liability insurance. The numbers used here are the most reasonable I could find,but the plan as described imposes no penalties or increased costs on anyone except uninsured motorists.
This bill is not as glorious as you think it is. I am 19 years old, and when my grandfather stopped paying his insurance policy that I was on, I had no idea. I was pulled over for a little speeding ticket, and I recieved a no insurance ticket also. The no insurance ticket was very expensive ($325). It is very difficult and expensive for someone of my age to obtain insurance for themselves when their parents and guardians fail to take responsibility. I was pulled over almost a year and a half ago for this in my instance. I am still paying fees that are surcharged by DPS for my offense. The bill is a step in the right direction, but I think that the punishment is a little stiff and severe. I have to pay $260 for three years (in addition to my ticket) for my grandfather not renewing his policy. I am a young adult who has had the same job for two years, holds down two jobs, and goes to college. This bill should not target people that were in my situtation who could not pay for insurance. When I got my first car, a drunk driver with no insurance hit me. That\’s who the bill should target. I have never caused an accident. Send me your comments, because obviously you are in favor of this insult to Texas drivers.
To Cody… A man with no drivers license, no insurance and no tags on his truck hit me when I was on my way to work on my motorcycle. I was insured, but didn\’t have uninsured underinsured motorist coverage. I survived… barely. I have had five operations and over 200,000 in hospital bills. All of which he doesn\’t have to pay. He will get off with a minimal fine like you did and I have multiple broken bones, including my back. I also have pins and plates in my arms and I lost my leg above the knee. All because he thought he should be able to drive without insurance. I am sorry your grandfather did not inform you he didn\’t renew the policy, but the legislation is needed.
Vehicle registration will go up $1. Then, more motorists buying policies will cause the \”uninsured motorist premium\” we now pay to go down substantially–I paid $100 last year! Sounds like a sensible idea.
You are right about the law except one very important detail. If a person has one offense on their entire record. Has financial difficulties. Then why with one brief week should that person have to pay $260. for THREE YEARS??????????? Why not pay it for one year and then be required to send in proof to DPS their Sr-22 for three years. You are eating us alive here. We are only human, you money grubbing b—–ds.
Why is Texas law so vague concerning what an uninsured motorist policy covers, I have insurance companies getting away with murder when it comes to covering it’s policy holders. Every insurance company you contact has it’s own set of rules and regulations, to suit their own needs. I have searched for hours looking for answers when there are none available.
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EVERY TEXAS INSURANCE AGENT SHOULD CALL HIS SENATOR IN AUSTIN AND ASK THEM TO SUPPORT THIS BILL. THIS BILL IS GOING IN THE RIGHT DIRECTION TO IMPROVE TEXAS INSURANCE PROBLEMS.
Who is going to pay for this? If it is left to the companies, that would result in higher premium or fees to all of us that obey the law. Let’s penalize the people causing the problem and not the people that abide by the law.
It has been a given that some individuals will always try to find a way to avoid purchasing motorists liability insurance.
Now with up to 20% of motorists being uninsured it’s time to take action. If all motorists were required to pay a tax on their gasoline that would go to insure that anyone driving a vehicle, therefore buying gasoline to fuel it, would be insured for at least the minimum legally required amounts of insurance. If one assumes that most motorists drive at least 12,000 miles per year and are getting 20mpg., then most motorists would be paying $600/year. This would more than adequately cover the costs of liability insurance for such a driver. The motorist would still have to choose an insurance agent and if he was subject to higher premiums because of his driving record or if he wanted greater liability insurance and collision insurance or any other personal choice then the motorist could so inform his agent and the carrier could bill him for the additional premiums, just as they bill him now. The question of how to recompense the carrier for the minimally required liability would be solved by creating a non-profit organization that would be paid all of the taxes collected for liability insurance at the pump. It’s receipts of at the pump taxes could be claimed by carriers through submission by the carrier of a list of its policyholders. Monies could then be remitted to the carrier after computer verification that no duplicate claims were being submitted by any carrier. This organization could be created by the legislature and the governor could appoint knowledgeable individuals to oversee it’s activities.
The benefits of this plan are obvious, first no driver would be without the minimally required liability insurance, second the costs that our hospitals bear for victims of uninsured motorists would be eliminated. Current estimates put those costs at $90 million a year.
No one likes taxes, but this tax would be offset by: (1)the absence of premiums for liability insurance. Also insurance companies would have 20% more policyholders of this type of insurance. (3)All claims due to accidents would be covered, to the level of minimal requirements for liability insurance. The numbers used here are the most reasonable I could find,but the plan as described imposes no penalties or increased costs on anyone except uninsured motorists.
This bill is not as glorious as you think it is. I am 19 years old, and when my grandfather stopped paying his insurance policy that I was on, I had no idea. I was pulled over for a little speeding ticket, and I recieved a no insurance ticket also. The no insurance ticket was very expensive ($325). It is very difficult and expensive for someone of my age to obtain insurance for themselves when their parents and guardians fail to take responsibility. I was pulled over almost a year and a half ago for this in my instance. I am still paying fees that are surcharged by DPS for my offense. The bill is a step in the right direction, but I think that the punishment is a little stiff and severe. I have to pay $260 for three years (in addition to my ticket) for my grandfather not renewing his policy. I am a young adult who has had the same job for two years, holds down two jobs, and goes to college. This bill should not target people that were in my situtation who could not pay for insurance. When I got my first car, a drunk driver with no insurance hit me. That\’s who the bill should target. I have never caused an accident. Send me your comments, because obviously you are in favor of this insult to Texas drivers.
To Cody… A man with no drivers license, no insurance and no tags on his truck hit me when I was on my way to work on my motorcycle. I was insured, but didn\’t have uninsured underinsured motorist coverage. I survived… barely. I have had five operations and over 200,000 in hospital bills. All of which he doesn\’t have to pay. He will get off with a minimal fine like you did and I have multiple broken bones, including my back. I also have pins and plates in my arms and I lost my leg above the knee. All because he thought he should be able to drive without insurance. I am sorry your grandfather did not inform you he didn\’t renew the policy, but the legislation is needed.
Vehicle registration will go up $1. Then, more motorists buying policies will cause the \”uninsured motorist premium\” we now pay to go down substantially–I paid $100 last year! Sounds like a sensible idea.
You are right about the law except one very important detail. If a person has one offense on their entire record. Has financial difficulties. Then why with one brief week should that person have to pay $260. for THREE YEARS??????????? Why not pay it for one year and then be required to send in proof to DPS their Sr-22 for three years. You are eating us alive here. We are only human, you money grubbing b—–ds.
Why is Texas law so vague concerning what an uninsured motorist policy covers, I have insurance companies getting away with murder when it comes to covering it’s policy holders. Every insurance company you contact has it’s own set of rules and regulations, to suit their own needs. I have searched for hours looking for answers when there are none available.