How do vehicles get registered without the owner showing proof of insurance? If the owners don’t get the required insurance, it isn’t just the vehicle registration that should be revoked. The driver’s license should also be revoked.
I don’t get it – why is the government concerned about uninsured drivers? Isn’t it a vicious ironic circle created in a large part by our legislators? The government forces the irresponsible to purchase auto insurance, while allowing auto companies to charge this group more because their credit score shows them to be irresponsible so it ends up unaffordable or the policies cancel or lapse because of the high premium. If they want 100% compliance, Ralph had it figured out – pass Obamagas and make everyone pay at the pump.
If the rest of us carry medical pay/PIP, UM/ UIM and collision, we will have more insurance coverage than the irresponsible people will provide for us with their minimum limits. In 10 years we’ll have driverless cars and little need for personal auto insurance. Flo and Gecko can keep each other company in the unemployment line.
A similar database has been used very successfully in the UK for many years. Many police cars and a roadside network of cameras are equipped to read vehicle licence plates and establish in real time whether the vehicle appears on the insurance database. If not the police are empowered to stop and impound the vehicle which the owner/driver can then reclaim by providing evidence of insurance, receiving a conviction for uninsured driving and paying storage fees for the vehicle.
The UK recently introduced a requirement for continuous insurance which means a vehicle has to be insured unless the vehicle registration authorities have been officially notified that the vehicle is off the road. This new legislation has resulted in warning letters being sent to vehicle registered keepers where the insurance database suggests that there is no insurance in force with penalties being imposed if the position is not regularised.
The Rhode Island developments look to be a major step forward in the fight against uninsured driving although on the face of it the process looks to be rather lengthy given the nature of the offence.
Maybe Rhode Island isn’t typical, but 15-18% uninsured seems like a low estimate.
How do vehicles get registered without the owner showing proof of insurance? If the owners don’t get the required insurance, it isn’t just the vehicle registration that should be revoked. The driver’s license should also be revoked.
Good Idea! Works well in New York. Wish CT would do this too.
I don’t get it – why is the government concerned about uninsured drivers? Isn’t it a vicious ironic circle created in a large part by our legislators? The government forces the irresponsible to purchase auto insurance, while allowing auto companies to charge this group more because their credit score shows them to be irresponsible so it ends up unaffordable or the policies cancel or lapse because of the high premium. If they want 100% compliance, Ralph had it figured out – pass Obamagas and make everyone pay at the pump.
If the rest of us carry medical pay/PIP, UM/ UIM and collision, we will have more insurance coverage than the irresponsible people will provide for us with their minimum limits. In 10 years we’ll have driverless cars and little need for personal auto insurance. Flo and Gecko can keep each other company in the unemployment line.
A similar database has been used very successfully in the UK for many years. Many police cars and a roadside network of cameras are equipped to read vehicle licence plates and establish in real time whether the vehicle appears on the insurance database. If not the police are empowered to stop and impound the vehicle which the owner/driver can then reclaim by providing evidence of insurance, receiving a conviction for uninsured driving and paying storage fees for the vehicle.
The UK recently introduced a requirement for continuous insurance which means a vehicle has to be insured unless the vehicle registration authorities have been officially notified that the vehicle is off the road. This new legislation has resulted in warning letters being sent to vehicle registered keepers where the insurance database suggests that there is no insurance in force with penalties being imposed if the position is not regularised.
The Rhode Island developments look to be a major step forward in the fight against uninsured driving although on the face of it the process looks to be rather lengthy given the nature of the offence.