Idaho legislators have rejected a bill that would have created an uninsured motorist database pilot program. If HB 311 had passed, insurers said the database would have been “extremely costly and less effective in reporting necessary data than other alternatives.”
The bill called for the establishment of an uninsured motorist identification database to house statistical information and would have required a biweekly transfer of insurer books of business to the insurance department. The data would then have to have been compared with the data from the Department of Motor Vehicles. The cost of implementing and maintaining the database would have been paid for by insurers.
“The main problem with this proposal for a database is that the information is outdated the moment it ships. In addition, it leads to greater discrepancies between insurer and DMV data, resulting in problems for the DMV and consumers alike,” said Steve Suchil, assistant vice president for American Insurance Association’s western region.
The association said it would prefer an online or Web-based verification system be used instead, to avoid the large data shifts and data mining and collating required by databases.
“We believe more time and effort should go into devising an accurate and effective program to identify uninsured motorists,” Suchil added.
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