My bet is that it won’t make more than a 10% dent in the number of uninsureds. So the percentage of uninsureds will drop from 25% to 22.5%.
The vast majority of uninsureds lose their insurance when they off work, either from losing their job or being sick. They have a choice of feeding their kids or paying for the insurance. They really should feed the kids.
When they get back to work they get insurance and all is well.
Unless Texas outsources enforcement to the Chinese army there are not enough people to get people off the road.
Sure you can suspend the license but a lot of people drive without licenses anyway.
More money spent on impotent laws.
We have had this same electronic verification system in place for a few years here in NY. At first there were a few glitches as the article suggested there may be but it was early on in the program and have since all but disappeared. It is comforting to think that the majority are now covered when out on the roads. Once the insurance industry gets on board it should be nothing but new business for them!
Depends on the state and how it’s enforced. You can have your ID cards, a Dec page, and a letter signed by the president of the company in Georgia. If it’s not on electronic file at the DMV, you’re outta’ luck.
Ghost – as a fellow New Yorker I agree with you. Anything that can be done to get the uninsured drivers off the road is a very good thing. It’s true, there will always be some problems with any program, but on the whole this should work well.
the best thing to happen in the insurance industry in texas in years. it will eventually keep rates down. its good to know that people are actually going to keep insurance, not just pay for a month to obtain registration & inspection stickers. good job lawmakers!
Finally !!!! We have needed this for years. Also, it is wonderful that the minimum limits are being raised. Finally the lawmakers have done alittle something to earn their salary.
The only thing that can keep people from paying a month and lapsing before the end of the year is to require an annual premium.
This would solve the traffic problem too, but few people would be able to get to work.
Bubba – the annual (or in many cases semi-annual) premium paid in full is less expensive than making the installments! For over 30 years I have refused to make payments on a monthly basis simply because it is cheaper. You take responsibility to save up what would be the amount of the monthly payment so that when the renewal bill comes it can be paid in full. Saves upwards of $120 a year (more or less based on installment charges). Don’t tell me that these folks couldn’t use an extra $120/yr.
This is just another excuse from the liberal crowd to continue to give the “poor” folks a break and stick it to the folks who are smart enough to work the system (notice I didn’t say rich enough).
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My bet is that it won’t make more than a 10% dent in the number of uninsureds. So the percentage of uninsureds will drop from 25% to 22.5%.
The vast majority of uninsureds lose their insurance when they off work, either from losing their job or being sick. They have a choice of feeding their kids or paying for the insurance. They really should feed the kids.
When they get back to work they get insurance and all is well.
Unless Texas outsources enforcement to the Chinese army there are not enough people to get people off the road.
Sure you can suspend the license but a lot of people drive without licenses anyway.
More money spent on impotent laws.
We have had this same electronic verification system in place for a few years here in NY. At first there were a few glitches as the article suggested there may be but it was early on in the program and have since all but disappeared. It is comforting to think that the majority are now covered when out on the roads. Once the insurance industry gets on board it should be nothing but new business for them!
The honest folks have a valid insurance I.D. card in the glove box anyway.
Depends on the state and how it’s enforced. You can have your ID cards, a Dec page, and a letter signed by the president of the company in Georgia. If it’s not on electronic file at the DMV, you’re outta’ luck.
Ghost – as a fellow New Yorker I agree with you. Anything that can be done to get the uninsured drivers off the road is a very good thing. It’s true, there will always be some problems with any program, but on the whole this should work well.
This will not help with the illegals becouse they don’t want insurance and can’t get it. No lic or SS.
the best thing to happen in the insurance industry in texas in years. it will eventually keep rates down. its good to know that people are actually going to keep insurance, not just pay for a month to obtain registration & inspection stickers. good job lawmakers!
Finally !!!! We have needed this for years. Also, it is wonderful that the minimum limits are being raised. Finally the lawmakers have done alittle something to earn their salary.
The only thing that can keep people from paying a month and lapsing before the end of the year is to require an annual premium.
This would solve the traffic problem too, but few people would be able to get to work.
Bubba – the annual (or in many cases semi-annual) premium paid in full is less expensive than making the installments! For over 30 years I have refused to make payments on a monthly basis simply because it is cheaper. You take responsibility to save up what would be the amount of the monthly payment so that when the renewal bill comes it can be paid in full. Saves upwards of $120 a year (more or less based on installment charges). Don’t tell me that these folks couldn’t use an extra $120/yr.
This is just another excuse from the liberal crowd to continue to give the “poor” folks a break and stick it to the folks who are smart enough to work the system (notice I didn’t say rich enough).