Posted On: March 14, 2005, 7:56 pm CST

Posted By: Patrick

As I read all of the responses posted, it brings me to point out the vast differences in UMPD and UMBI laws between the states. Florida no longer requires proof of liability insurance. There went the screw drivers and pliers, huh! Other states have some pretty complex UM laws and regulations. Required proof of liability is what got us the "political" UM coverage because the politicians were unable or unwilling to put teeth into the requirement. So, you might say it's a failed system from the start. However, I believe one of the small NE states actually has a virtual network set up with all auto insurance companies, state registration offices and law enforcement where current data about each driver/auto's insurance is downloaded daily.