I cannot understand why the BMV doesn\’t verify insurance coverage before renewing auto registrations and driving licenses…? Seems pretty simple to me.
Counterfeit stickers will be easy to get, and the added cost of providing stickers will likely be the agent\’s responsibility.
I agree – the BMV really should be verifying coverage when doing any vehicle registration or license.
OK is going in the wrong direction with this idea.
OK along with every other state needs a law like Louisiana has, its called no pay, no play…it works like this…if you dont have insurance and are involved in a not at fault accident you are not allowed to recover from the at fault parties insurance up to the first 10k….so if you dont pay for insurance you dont get to collect on someone elses insurance!!
New York has a mandatory insurance law. You can\’t register a vehicle without an ID card – and the ID cards are generated by software supplied by the state and includes a bar code that identifies the driver, the VIN number, the insuring company, and the broker/agent issuing the cards. Further, the companies must electronically transmit coverage verification to the state. Companies are also responsible for notifying the state when insurance has lapsed on a vehicle. If a vehicle is uninsured and has plates (i.e., insurance lapsed), then the state assess a $8.00 fee (which doesn\’t provide any insurance coverage) for each day the plates are still retained by the registrant. Seems to be a pretty good deal for those of us who bother to responsibly keep our insurance in force and for keeping the uninsureds off the road.
I don\’t see how the stickers will be any different than what currently goes on. They\’ll get them, get their car registration renewed, let coverage lapse and go uninsured. Just like now.
What I\’d like to see but know it won\’t happen is mandatory full premium payment and 100% earned premium clauses. No cancellations for non-pay and no lapse in coverage. Of course the ones who are most likely to go uninsured probably don\’t have the money to pay up front anyway.
OK already requires proof of insurance to register vehicles or renew tags but as indicated previously, some folks pay the 1st installment, get the ins. verification card & let their coverage lapse until next year & others get counterfeit cards.
Stickers won\’t necessarily change either of these behaviors.
\”No Pay /No Play\” is a great concept for drivers who are actually concerned about receiving awards from at fault 3rd parties and should made part of OK law too but this still doesn\’t deter habitual uninsured motorists because they obviously aren\’t too worried about either being stopped for being non-compliant or being involved in an accident.
\”No Fault\” would work but would never pass even OK the legistlature.
While none are a panacea,
1) \”NP/NP\”,
2) a \”real time\” database thru which officers on the street could confirm coverage immediately, and
3) more difficult to counterfeit proof insurance (ie stickers with bar codes, etc.)
(with a all fines for UM channeled to support the expenses of 2) & 3).)
will all help this problem but until we can figure out a way to motivate personal responsibility, those of us who are compliant will continue to pick up the tab for those who know they can freeload off the system.
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Wonder how long it will take before the counterfeit stickers would be readily available on the streetes.
I cannot understand why the BMV doesn\’t verify insurance coverage before renewing auto registrations and driving licenses…? Seems pretty simple to me.
Counterfeit stickers will be easy to get, and the added cost of providing stickers will likely be the agent\’s responsibility.
Dumb idea.
I agree – the BMV really should be verifying coverage when doing any vehicle registration or license.
OK is going in the wrong direction with this idea.
OK along with every other state needs a law like Louisiana has, its called no pay, no play…it works like this…if you dont have insurance and are involved in a not at fault accident you are not allowed to recover from the at fault parties insurance up to the first 10k….so if you dont pay for insurance you dont get to collect on someone elses insurance!!
New York has a mandatory insurance law. You can\’t register a vehicle without an ID card – and the ID cards are generated by software supplied by the state and includes a bar code that identifies the driver, the VIN number, the insuring company, and the broker/agent issuing the cards. Further, the companies must electronically transmit coverage verification to the state. Companies are also responsible for notifying the state when insurance has lapsed on a vehicle. If a vehicle is uninsured and has plates (i.e., insurance lapsed), then the state assess a $8.00 fee (which doesn\’t provide any insurance coverage) for each day the plates are still retained by the registrant. Seems to be a pretty good deal for those of us who bother to responsibly keep our insurance in force and for keeping the uninsureds off the road.
I don\’t see how the stickers will be any different than what currently goes on. They\’ll get them, get their car registration renewed, let coverage lapse and go uninsured. Just like now.
What I\’d like to see but know it won\’t happen is mandatory full premium payment and 100% earned premium clauses. No cancellations for non-pay and no lapse in coverage. Of course the ones who are most likely to go uninsured probably don\’t have the money to pay up front anyway.
OK already requires proof of insurance to register vehicles or renew tags but as indicated previously, some folks pay the 1st installment, get the ins. verification card & let their coverage lapse until next year & others get counterfeit cards.
Stickers won\’t necessarily change either of these behaviors.
\”No Pay /No Play\” is a great concept for drivers who are actually concerned about receiving awards from at fault 3rd parties and should made part of OK law too but this still doesn\’t deter habitual uninsured motorists because they obviously aren\’t too worried about either being stopped for being non-compliant or being involved in an accident.
\”No Fault\” would work but would never pass even OK the legistlature.
While none are a panacea,
1) \”NP/NP\”,
2) a \”real time\” database thru which officers on the street could confirm coverage immediately, and
3) more difficult to counterfeit proof insurance (ie stickers with bar codes, etc.)
(with a all fines for UM channeled to support the expenses of 2) & 3).)
will all help this problem but until we can figure out a way to motivate personal responsibility, those of us who are compliant will continue to pick up the tab for those who know they can freeload off the system.
My uninsured motorists insurance went from $70 to $lll this year. I feel that the other drivers who do not buy insurance should pay their fair share.