Hawaii Insurance

Safety First the theme is the nervous many laws of the State, occur in the months of January, things like bicycle helmets, riding and children in California, Tennessee, criminal record check for potential teachers Oregon, New Hampshire and Tennessee and hairdressers being Hawaii.

Whether seeking the protection of children against bad apples or consumers against bad hairstyles, the legislature has drawn the state this year to enhance security in an uncertain world.

Florida, knocked by a wave of murders of tourists, banned weapons in the hands of persons under 18, except for hunting, Schießkunst practice or competition, under the supervision of an adult. The threat of violence inspired by California law to prohibit schools band clothes in the classroom.

New Hampshire, doctors test positive for the virus that causes AIDS or hepatitis B, needs a special permission for the implementation of invasive surgery.

There is no particular reason to enact laws in January, only images of a new departure to head the calendar. Many countries have laws to be taken in 60 or 90 days after the signing, or after the legislative session ends.

In view of the tea leaves, no later than January of this law, trends emerged. During the past year has seen a multitude of taxes and tax revenue for a squeeze anemic economy.

A year later, money has been remarkably absent, although some came close.

Oregon increased their minimum wage at $ 4.90. Mississippi excluding pensions of state income tax. Employers are Florida, the workers’ compensation premiums shrinking. Michigan property facilitates the burden on taxpayers by supporting public schools.

And the legislative protection of Colorado’s owner of the baseball team and stages of spectators at issue in connection with the transaction Denver for a National League franchise, the Colorado Rockies. The law limits the liability of a team and the stadium when a fan of an errant ball or slip on a Hot Dog.

Politologues were associated with the loss to explain what, if ever, the drafting of new laws finale.

“We have a change in administration, and perhaps States expect new policy,” suggested David King, assistant professor of public policy at the John F. Kennedy School of Government at Harvard University.

Some observers expect a number of crimes accounts next year, but for the moment, it seems that the word security.

From 1 January, riding open on the back of a pick-up truck is illegal in California, where children up to age 6 and under are also life jackets and motor boats sailing in less than 26 metres long. The implementation Sobriety

New regulations allowed Oklahoma tinted car windows are also bleak.

Search against the safety of motorists and drunk as a result of the implementation of many other states, Florida, New Hampshire and New Mexico has reduced the permitted level of alcohol in the blood of 0.08 percent to 0, 10 per cent. In California, drivers under 21 years, began with a blood-alcohol level of only 0.01 lose their license for one year.

As part of an experiment all year, Illinois had acceded to over 30 countries, drunk drivers review with a device that maintains a car start if the driver has alcohol in his breath.

Addressing risk in the market, Rhode Island needed credit agencies of consumers to send their credit reports within four days, an application and informing consumers if credit refused.

Video Store, New York is prescribed by selling its customers’ names and stories arrivals to others.

Illinois banned undesirable places of telephone sales and prohibits such calls from 9 am to 8 pm

Connecticut repealed its two decades-no-fault auto insurance law. Motorists should be covered by premiums, but they must go to court against accidental damage to other drivers.

Motor insurance loop in Illinois and Vermont is mandatory, as it is now in most countries.

Some new laws against the laity and incompetence. Texas acted regulating machine operators, increasing blood flow and oxygen during open-heart operation.

A poll this week aims to familiarize door news: For the sixth consecutive year, New Jersey drivers pay the highest car insurance premiums in the nation in 1998.

But a group lobbying the state of the automobile, the insurer complained that the investigation was misleading and do not increase during recent reductions in insurance rates.

”This gives people the false impression,’’said John Tiene, director of the Insurance Council of New Jersey.

Figures expected to be officially released later this week by the National Association of Insurance Commissioners show that New Jersey drivers pay an average of $ 1138 for its policy during the year 1998. Drivers in neighbouring countries much lower price paid: $ 960 in New York, Connecticut $ 901, $ 845 to $ 723 Delaware and Pennsylvania.

Tiene said drivers needed different countries at different levels of care, so that the comparison of premiums was not the only valid. He also stressed that quotas have been reduced in 1999.

New Jersey driver was paying on average $ 1161 in early 1999. This figure was $ 173.50, which represents about 15 percent after the state imposed mandatory reductions last spring. Until the end of 1999, drivers paid an average of $ 988.

The question of the investigation, Dir Christine Todd Whitman said:”At least they are 15 percent lower than last year, when we were the highest in the nation.”

New Jersey drivers have paid the highest average auto insurance in the nation since 1993 and assumed the dubious distinction of Hawaii.

Whitman said the governor of the party’s why high prices persist, GEOGRAPHY: New Jersey is a small country with a lot of drivers.

She also said she will continue to seek ways to lower prices, including the fight against fraud, Mrs. Whitman said added significantly the cost of self-insurance for the pilot of New Jersey.

Bill Heine, a spokesman for the State Department for banks and insurance companies, “said National Association of Insurance Commissioners does not include dividends paid to the policy of the new owner. But he was not sure whether dividends, ranking lists. State law requires insurers to repay the profits, if a company deserves more than 6 percent over a period of three years.

The national insurance group is considering releasing their final report before the end of this week. The final figures will not alter the positions of the USA, pay rates are higher, “said a spokesman, Bob Martin.

New Jersey plans this week to distribute package of new rules bar the use of the age, sex or family situation in automobile insurance rates.

The new regulations, with effect from 1st January 1993, it is also require that businesses with less weight on the geographical location of the property prices and lists the factors must be taken when setting their rates.

Firing the latest blow in a bitter, protracted war with insurance companies, Jim Berzok, a spokesman for the State Insurance Department, said the company is a summary of the provisions of this week. They were released in early January but was delayed while the state is reviewing the objections of the industry.

Insurance Commmissioner Samuel S. Fortunato, has been struggling with insurers for two years, has insisted that prices are based on demographic factors in the industry for 60 years, is not acceptable in the computer age.

In testimony before the Committee on Senate last week, he said to emphasize the new rules of conduct of each record, rather as a “group of properties” as a set of determinants.

Ronald Krauss, Vice President of the American Insurance Association, an association which is headquartered in New York, said the insurer against the rules to eliminate as age, sex and family status as predictors the performance of conduct steals light of experience gained over the decades. “Year after year, and the state of their state,” he said, “they provide risk are reliable.”

Mr. Krauss said that insurance companies take into account other factors, but not exclusively on them when setting prices.

These are the factors, New Jersey, insurers use when setting the exchange rate:

* A motorist grasp the changes, including points of injuries and accidents error.

* A driver experience.

* The number of kilo-meters, a motorist driving each year.

* The brand and model of the car.

Mr. Krauss and others in the insurance industry claim that the new guidelines will not lower tax rates, but only move around costs. He said that young women, for example, would pay higher premiums because their age and sex can not be taken into account when setting prices. Insurance actuaries say that while the loophole, young women are still less likely to be involved in accidents than young men. A request for revision

Changes in regulations have been Dir Jim Florio’s Fair Automobile Insurance Reform Act, “by the legislature in 1990.

The proposed rules, insurance companies in January to such an avalanche of protests and numerous calls for revision, the insurance division agreed on a final check before the regulations were approved.

Several other states have a mandate the elimination of age, sex and family situation as a whole Determinierer, but did not go as far as the proposal of New Jersey, said Krauss.

“No State has angered to release all three - age, sex and family situation - like the region as a factor of decommissioning,” he said. He said, Hawaii, Massachusetts and California had the mandate the elimination of age, sex and family situation, and that Michigan, Pennsylvania and North Carolina had the mission of the elimination of one or two of them. California’s system is challenged in the courts and is the subject of intense consultations fixation.

In New Jersey, the insurer would have allowed driver of a location in determining rates, but its importance would be demoted. Most companies, for example, do you consider the car insurance in Newark a greater risk that insurers in many other parts of the country, because Newark has the highest rate of the Automobile theft in the country.

The new guidelines are the latest development in a struggle for the price of auto insurance in New Jersey. The first big change was the abolition of the State running pool, provided that drivers at high risk, the Joint Underwriting Association.

The insurance pool was to ensure that drivers most at risk, insurance could not get otherwise, but in a point of insurance companies had dumped more than half of the drivers of State will accept the slightest risk to pilots of conventional coverage. This and other shortcomings in the system means that New Jersey’s rate, also a surcharge on most of the insured to pay for the state-Pool, were the highest in the nation during the year 1990, after a survey conducted by the National Association of Insurance Commissioners.

Insurance premiums have fallen for millions of drivers across America and is expected to keep falling - or at least maintain constant - in the coming years is very profitable, insurers increasing pressure from competitors, regulators and support.

For over 20 years, prices for car insurance in only one direction. The change now is the result of a better car and driver course, with the booming results of the insurer “Wall Street investments.

Almost all large companies began snipping away in their insurance premiums as well as institutions of information, a trade group, it is projecting that prices are falling all around 1 percent on average this year to $ 692 for the average policy.

The State Farm Mutual Automobile Insurance Company, the industry leader with its subsidiaries, with approximately one fourth of the market, the nature and way of cutting prices in 31 states and the District of Columbia in 1997 and more than 12 to this year.

Most of the reductions were modest, ranging from a few dollars to several hundred dollars per year. And they have done little to the tripling of premiums over the past two decades. State Farm and its competitors have increased prices in some countries - and in some parts of the USA, where the average is lower - because the repair, medical care and legal costs continue to rise. And he has no relief for most drivers in New Jersey, which remains the highest rate.

However, some reductions have been significant: State Farm has lowered its prices in Hawaii by 15 per cent in January, and Hartford Financial Services Group, the 11th-largest auto insurers, gave their prices down in California 30 percent the next month. Larger, more efficient companies have seen their rights, and most have a general rule, the biggest cuts, say analysts, which helps to maintain or gain market share.

The image makes complex comparison purchase more important than ever. And with auto insurance offices increased profits - to 28 per cent in 1996, more than 50 percent last year and 18 percent expected at $ 11.3 billion in 1998 - consumer advocates say, reductions should be much deeper.

”Most companies are not big enough, that the reductions and the regulatory authorities are not difficult to grow as they should,’’said J. Robert Hunter, director of insurance for the Consumer Federation of America.

Based on his analysis, Mr. Hunter, a former Texas Insurance Commissioner, said insurers are expected to fall throughout the country at least 3 percent. In some countries - including New York, California, Rhode Island and Hawaii - the reduction should be at least 10 percent of the premium, he argues. Even then, Mr. Hunter said that insurance companies would enjoy profit margins of 10 to 15 percent, comparable to many other thriving industry.

Insurers acknowledge that the reduction cautious, fearful that the unforeseen costs can destroy their merits and believe that in a regulated sector backup copy of the escalation, the rate is much more difficult than climbing.

”That’s why we’re not just jump with both legs at a reduced rate,’’said Michael A. LaMonica, Vice President for automatic pricing Allstate Insurance Corporation, No. 2 in the country, insurers automobiles.

Some supervisors have forced the lower rates. Last fall, Elton Bomer, Texas, the commissioner of insurance means an across the board reduction of 5 percent.

Others, including Neil Levin, the New York Insurance Superintendent, and Chuck Quackenbush, the insurance commissioner of California, say rather than hammering companies in style, they tried prices down by lowering the administrative burden on the Fight against fraud and promoting competition.

Mr. Levin said that for him, for a reduction of 10 per cent, as Mr. Jäger request would probably be irresponsible”because each company has a different risk profile.”

Yet, Mr. Levin said that his office was told that insurance leaders of high gains in progress,”we expect to see prices continue to fall.

How leaders insurance authorities, politicians and all groups of consumers in the struggle to control skyrocketing costs of automobile insurance, a new study suggests that maybe the wrong direction.

Insurance premiums are high in Los Angeles and Philadelphia is not primarily because of congestion, vehicles against theft and break-ins, commonly believed that insurance-sponsored study said. A larger reason is that drivers in accidents in these places rather file injury claims and complaints of pain and suffering far more than other drivers. Prices go into these areas that the insurer trying to stay before increasing frequency and amount of payments for medical expenses and other charges.

Many basic research, lessons learned from the accidents of thousands of discs American motorists Insurance Research Council, supported by the organization of industry, there was not a surprise. But the Council said it was aufgeschreckt to find large geographical differences in the tendency to bring answers and not willing to explain why.

With the help of an index that measured the proportion of accidents in which victims have a personal injury claim or more generally a claim of pain and suffering, the Council, California top of the list of countries with 55.7 100 percent of accidents. But South Carolina, with 41.4 per cent, and several other countries in rural areas was also high.

“For some reason, these people for the country is very fragile,” said James F. Perry, a vice-chairman of the National Council of Farm Mutual Automobile Insurance Company.

The bottom of the list was the State of South Dakota, whose inhabitants have called pain and suffering only 15.7 out of 100 accidents studied in this state.

Curiously, but while the driver of Los Angeles said the pain and suffering of 60.6 per cent of cases, San Francisco his colleagues had a low 37.4 per cent. In addition, pain and suffering right in Philadelphia rate was 75 percent, compared to only 15.7 per cent to Pittsburgh. In New York, the Bronx had a rate of 30.3 per cent, the highest for the city, while Queens showed a weakness for the city of 17.5 per cent.

“That was surprising,” said Donald W. Segraves, the Research Council, the Executive Director. Mr. Segraves supervised the preparation of the report. “Everyone has seen, the study was surprised at the number of large cities, he said.

Assekuranz leaders said they hoped that the study would also help them understand why the average rate has been higher in some cities. Once they do this, they can find ways and means to better control costs, could help slow the increase in premiums.

Some consumer groups say they already know, one thing that helps with the key Price: no-fault insurance, limits the ability of a person to blame.

“A good no-fault law solve approximately 20% of the problem,” said Stephen Brobeck, Executive Director of the Consumer Federation of America. “All the results of research shows that people with low value excessive.”

Most major auto insurers, without any assurance of debt. Companies argue that premiums on auto insurance policies could be considerably reduced if the accident victims’ pain and suffering claims was limited to serious cases. “Tap surplus Out ‘

No debt insurance “bruises excess of a quantity of applications, and some may close the legislature that the study,” said Segraves.

In New York and 13 other countries, without insurance, lack of laws, the proportion of complaints filed in case of accidents has decreased by half that by the way. Prices remain high in New York City, because the cost of break-ins and theft of vehicles, savings Marsh no-fault borders.

New Jersey is also a no-fault state famous for high auto insurance rates. This is partly because their guilt has not limit values are null and void, experts say. They note that motorists the opportunity to participate in suffering, in some cases, when their medical care of more than $ 200.

Other notable exceptions between no-fault states Hawaii, Massachusetts and Georgia, where the proportion of industrial accidents followed by work stoppage action was a rise in interest rates to three.

If you buy accident coverage, if you rent a car? Until recently, was the answer for most people, not just customers were expected to pick up the first $ 500 of damage, if it is rejected, the door $ 5 per day for insurance costs. ”It was a ridiculous price,”it is intended to cover small risks, “said J.

If you buy accident coverage, if you rent a car? Until recently, was the answer for most people, not just customers were expected to pick up the first $ 500 of damage, if it is rejected, the door $ 5 per day for insurance costs. ”It was a ridiculous price,”it is intended to cover small risks, “said J. Robert Hunter, chairman of the National-Versicherungs-consumer organization.

Then, the company will be lifted the ante, first by an increase in liability limits. But in the spring of this year, many large rental companies to eliminate the liability cap as a whole, so that customers do not accept its coverage (which is known as the decline Collision Damage Waiver) is responsible for ‘full cost of repairing the damage until the value of the car can - top $ 20000

The potential compensation for key accounts radically changed the image of the Collision Damage Waiver. It is one thing to say a consumer not to buy coverage if it is a risk for $ 500, said Hunter. ”Well, it is much more worrying.”

Enterprise car rental to say that the new approach - an average daily charge of $ 9 or unlimited liability, if you do not pay tax - reflects the high costs of repair. Your critics claim undertakings on their high price and more pressure on consumers to buy, because the damage exemptions are money-makers.

Given que’’seulement few dollars above the waiver applies for insurance, car rentals you are the more money”if you buy their reports, “said Sean F. Mooney, Senior Vice President and economist at the Institute of Information insurance.

That is why drivers want to look for other ways to limit his liability. First, experts say not to cover with whom you already have. Many drivers, bring its laws in personal auto insurance may not need the waiver policy.

If you have a personal policy, ask your agent if you are covered and to what extent it Jane Moss, Executive Director of the American Car Rental Association. Specifically, she warned: For many agents, because of the automobile rentals, insurance means that the owner is responsible for the mission at a cost of the car, when his own car is in store.

If you provide the political cover personal, see discovered the pro-rata basis and all exclusions - for example, if the policy covers Discoveries in Canada. What is the coverage if you rent the car is more than twice the car? If the policy for damage to rent a car parked, if you do not know, he is responsible? Is there a limit on how to resume business repair bills?

The car used most often dealt with in the insurance sector, developed by the Insurance Services Office, a nonprofit support group for the industry, covering cars. If your company uses this form is it a reference to copyright, usually based on the first page, after the office.

Some companies - Allstate and State Farm, for example - do not use these forms. However, their contracts are essentially similar to Nick Dome Yezzi, executive director of industry relations for the Insurance Services Office. Typically, contracts for car rentals in the same amount that you buy to cover your own car. Each deductible amount is duplicated, too.

A word of caution: many drivers deposit insurance collision after three years or less, because the sharp drop in the value of the car no longer justifies the high cost of insurance. Note that if you do, your personal car is more politically motivated to cover damage to rental cars.

If you try to hedge must be separated, a few companies offering rentals All-inclusive price. Alamo Rent-A-Car, for a just seine””Sorglos program Hawaii and Florida, and hopes soon to expand Germany: The additional $ 15 per week on a rental car in Miami, for example , Pay for staff insurance and collision coverage would cost $ 12.49 per day, if be purchased separately.

Given that national clamor for lowering auto insurance premiums also a proposal for an early solution to the attention of consumers and will enter into force for the insurance industry. The idea is simple: State laws that give the driver a choice between error and non-political mistake.

Given that national clamor for lowering auto insurance premiums also a proposal for an early solution to the attention of consumers and will enter into force for the insurance industry. The idea is simple: State laws that give the driver a choice between error and non-political mistake.

Drivers of private vehicles, can choose to be completed by political responsibility, with higher premiums or errors almost exclusively non-political, with lower premiums, not let the fact that individuals complain.

New project “Start”, a non-profit group of industry and consumers subsistence, it was found that products from USA in the adoption of the plan. Virginia Knauer, advisor of Consumer Affairs, President Nixon, Ford and Reagan, was named chairman of its national.

Certains”des USA are in a crisis situation immediately with a high level of auto insurance rates,’’said Knauer. ”We have a conversation about savings up to 30, 40, 50 per cent.”

At a national conference on auto insurance in Alexandria, Virginia, last month, Mrs. Knauer submitted the plan of his group, composed of proposals by Jeffrey O’Connell, a law professor at the University of Virginia, contributed write the first no-fault model law during the year 1966. New Jersey has established a similar approach to Jan 1, when it began to allow motorists the choice between the right to complain or approval not to try to justice, in most situations. “An approach gangbarer”

A leader of consumers, supports this dual strategy is James Brown, director of the Center for Consumer Affairs at the University of Wisconsin-Milwaukee. ”This is a positive step,”he said. ”Given political realities, it is an approach gangbarer.”

Among the assurances of managers in favour of the concept is James F. Perry, Associate General Counsel of the State Farm Insurance Companies, the largest nation of the writer private automobile insurance. ”Our first reaction was that it was a heavy, uncomfortable idea,”he said. ”But how we react to the difficulties encountered in the right device, operating on no-fault insurance regulation, it seems to be an end to the dilemma.”

In no mistake, insurance is generally required for financial losses from their own insurance companies, whatever caused an accident. Nineteen years after Massachusetts adopted the first such law, only 14 States had no real mistakes systems. And few of them can appeal if the serious injury or permanent, as the State laws and regulations.

According to the Institute of Insurance Information in New York, ie no real assurance of debt are Colorado, Connecticut, Florida, Georgia, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota , New Jersey, New York, North South Dakota and Utah. Three of them - Florida, Michigan and New York - have strong no-fault laws, within the limits of costumes automatic injuries.

Insurance companies, a sharp rise in prices of attack to say that premiums are nothing more than a reflection of their cost. Their reaction is to support the passage of no-fault legislation, particularly those who allow themselves only when serious injuries, the costs to better meet the needs.

”There is no doubt that insurance companies have a genuine obligation of man are violated,’’said John J. Martin, the chairman of Aetna Life and Casualty Company’s division of the personal financial security and the president of the Insurance Information Institute. ”But we have a commitment just as legitimate as people, not debt. What is-no-fault, is the low demand from the litigation environment.” ‘Fast, more equitable and humane ”

Robert Pike, a Senior Vice President and General Counsel of the Allstate Insurance Company, said:”No error provides several dollars of USA, the customer pays for new customers of the benefits. The error is based on waste, inefficiency and delays. From non-guilt is a rapid, just and humane way of compensating victims.

The pilot should be easier for purchases of car rentals low this year, and many customers now the possibility of contempt enigma of the insurance branch and costly options, thanks to some new laws, guidelines and services of credit cards.

The pilot should be easier for purchases of car rentals low this year, and many customers now the possibility of contempt enigma of the insurance branch and costly options, thanks to some new laws, guidelines and services of credit cards.

Many tenants are likely car to save time and money, but the savings for others across the board increase. Some important corporate car rental rates increased from 2.5 to 10 percent this week, compensation for the loss of their lucrative business of insurance, but it was unclear if the increase is maintained a sector known for the tough competition.

Missbräuchlichen sales and advertising practices last year, reported by consumer demand guide public officials and leaders of the industry itself were the motivations for changes to $ 6 billion in the year-hire industrial vehicles.

”Self-policing has not been the case in our industry,’’said Joseph Russo, spokesman for the Hertz Corporation, at the request of attorneys general of the nation to intervene during the last year. Guidelines

Last month, the National Association of Attorneys General guidelines for car rentals and advertising. In addition, last month in New York was the second review of State, Illinois, that the law requires a car-rental companies for acquisition costs for insurance of their vehicles, but as that consumers station to recharge $ 12 per day for reports that some states have a value of less than $ 1 per day.

On another front, American Express has broken with other sets of credit card issuer, last month by the availability of ready-automobile insurance to holders of its green card; owner of his gold and platinum cards , To receive one year. Officials in visas USA and MasterCard International said it had no plans to follow American Express’s, but ready-Car Company officials believe that, ultimately, to remain competitive.

The guidelines of the lawyers of the rule are extensions of existing laws, are assumed that the consent of the Association at its meeting in Washington in March. The application is then begun. For most of the automotive industry supports arrivals guidelines as a way of honest competition.

The main provision in the guidelines is that companies owe their required contributions in the principles that make advertising quote by phone or computer systems Reserves by airlines and travel agencies, said Arthur R. Weiss, a spokesman for the Kansas’ Attorney General, Robert T. Stephan. Mr. Stephan is the president of the National Association of Attorneys General’s Task Force on car rentals.

The Task Force said the report arrivals because companies used to deduct the price of its mandatory costs for gasoline and things like Laufleistung”nur to cover the costs of product.”Signed Consent Order

Last month, the Federal Trade Commission charged Alamo Rent-A-Car not required to disclose the airport surcharges and fuel costs for consumers, the company has reservations operators. Under an agreement signed on December 29, Alamo, without the authorization of debt, decided to disclose these costs in the future. But Alamo want no obligation to $ 12 fuel for a half-tank of gasoline in its base interest rate to pay, given that the guidelines require.

”We support full disclosure of the full and visible, but we are against the charging policy guidelines, require us to price our products has paved the way Hertz,’’said Liz Clark, a door - Alamo floor.

Alamo is also against state laws on banning the sale of damage exemptions, the tenant of the liberation of most debts, if a car is damaged.

So far, only New York and Illinois have banned the sale of exemptions, but a dozen other states, including New Jersey and Maryland, to consider similar bans. California and Hawaii recently legislation to regulate prices and the extent of exemptions and about 10 other countries, including Connecticut, Minnesota and Texas have laws, businesses, to attract customers with more information on exemptions.

Washington peeled inhabitants, 42 percent more for auto insurance, as ten years ago, a jump more than in most countries, says a new report.

Maybe in rules lowest in the state of our prices on the passing lane.

Perhaps we love pricier policy - Cadillacs coverage of the accident.

Or maybe that our local economy boomte our new luxury cars and sport utility vehicles have insurance through the roof.

The reasons are disputes. Regardless of the increased spending in Washington from 1989 to 1999 was not good, “said Bob Hunter, former insurance commissioner of Texas and director of insurance for the Consumer Federation of America, author of recent report on auto insurance rates.

And it goes even worse.

“Prices are starting to go a little faster, as it had in the past,” said Washington Insurance Commissioner Mike Kreidler, was elected in November.

Washington’s average expenditure per insured jumped from the car $ 490 in 1989 to $ 697 in 1999 - an increase of 42.2 per cent or 3.8 per cent per annum, the new report said. This is higher than the annual average of 3.0 percent inflation rate during the same period.

At the same time, spending on motor insurance grew by 23.8 per cent nationally and expenditure actually declined in California, where voters have passed rigorous checks of insurance.

Mel Sorensen, a lobbyist insurance sector, cardboard product poohed the study of numbers. Of course, California’s are lower. But he noted that California launched earlier - with an average of $ 748 expenditure 1989, compared to Washington’s $ 490

“Buying insurance in Washington State public benefits tremendously from what was for many years a competitive market terribly,” he said and added that consumers can choose among many companies and products.

West Seattle said Jim established, he moved to Seattle five years ago in Hawaii, where prices were higher. And here, “you seem relatively reasonable in relation to it.”

He said that his insurance rates exploded when he recently added to his son 16 years with its policy. So, he joined businesses to save $ 400 per year.

Deborah Senn, Washington, the assurance was commissioner from 1993 to 2000, said the national report, the figures are misleading, because for consumer spending rather than sentences. She argued that most of the increase was more costly because of human rights and the purchase of vehicles over coverage, the company has no price.

Look at Seattle established Theresa Flores. She said that if it switched from a Ford Mustang on a SUV in 1994, has increased its insurance rates $ 300 per year.

“When I knew they up, there is still much, I did not buy,” she says.

But the Consumer Federation Hunter doubted that these factors explain that for years, more than Washington, spending increases. “My assumption is that things in spending, such as the movement of cars more expensive, not much different state to state,” he said.

Lee Barclay, the actuary driving Kreidler, Senn and his predecessor, Dick Marquardt, could not say whether Washington’s drivers tend to buy more expensive vehicles or a blanket. But Barclay said that from 1993 to 1999, Washington’s expenditures have increased on average by 1.4 per cent per annum, compared to 1.2 percent nationally.

Barclay is of the opinion that the rate hike in Washington’s happening in the late 1980’s and early 1990, but it can not be sure. He did not explain why so many price increase during this period.

Growth in the number of uninsured drivers cause serious accidents, insurance and pushes up the responsibility to repay their victims.

Hit the big cities hardest

In 19 states the increase in these types of accidents in the field of more than 50 percent to 220 percent. The main problems are occurring in major cities, officials said. In Los Angeles, for uninsured drivers, that almost one of four accidents with injuries. At Philadelphia, Denver and Miami, which is a number to three.

”This is a very serious situation for the country,’’said David N. Levinson, Delaware’s Commissioner of Insurance. ”Our opinion polls indicate that people over exciting on uninsured drivers than any other problem that we have indicated, including taxes.”He said that one third of 540000 vehicles in the state, is not guaranteed and that all claims, uninsured drivers has increased by $ 200000 in 1978 to $ 10 million in 1988, the latest year for which figures were available.

Many states, including New York, New Jersey and Connecticut, require drivers to ensure the physical integrity against damage caused by Hit and Run accident or car accidents with driver, the drive illegally without insurance.

Experts say the growth of insurance premiums is at least partially responsible for increasing the number of uninsured drivers. ”The number of uninsured vehicles has increased more rapidly in some areas where insurance costs have risen faster,’’said David L. Unnewehr, Research Director at Insurance Research Council, a professional association, as has recently analyzed data accident, which claimed, uninsured drivers from 1976 to 1986.

New York fares well

Drivers uninsured in New York City caused 8.5 percent of all serious accidents on the lowest rates of 15 cities studied by the Council in 1986. ”New York by the law of insurance is a bit more than other states, “said Unnewehr”,” but we did not get real deep into the reasons for New York had a lower percentage than in other cities.”His study found that the number of serious accidents by drivers who are not policyholders in the state, was half the national average, while the number of accidents almost tripled to 6.3 percent in 1986, 2.3 per cent in 1976.

Other states also have at least a doubling in the number of serious accidents by uninsured drivers were Idaho, North Carolina, Tennessee, Wyoming, Delaware, Georgia, Minnesota, Mississippi, North Dakota, Colorado and Utah .

The rate clamor on the assurances of PA and requested a dozen other states for the implementation of compulsory motor insurance laws in the past 12 months.

Assekuranz debt

But Mr. Levinson and say that almost all supporters of the implementation of new efforts are inadequate, and they throw the insurance industry to block the implementation of stricter measures. They complain that the content industry in terms of cost recovery, the nation’s total auto insurance from a pool of reduced customer as a means of reducing administrative costs and profits.

”The industry would rather collect $ 750 of you, $ 750 by myself and not a Dead Beat, not insurance,’’said Levinson. ”The industry can not win by collecting $ 500 by you, me $ 500 and $ 500 from another man, it is $ 1500.”

Assekuranz spokesman confirms that businesses against auto insurance mandatory certain laws and strict implementation of measures proposed by States, but they say that companies are consumers of this page on these issues. ”The industry is not able to say, someone must buy insurance, they will have their children before flows,’’said Nagel Shirley Schmidt, a spokesman for the Alliance of American Insurers, a trade group.

Mr. Levinson complained that the insurance sector had violently against the legislation in Delaware in the spring, which requires owners of automobile color, add the labels on the windshield as proof that it had paid for ‘insurance. ”I’ve never seen a lobby as the work effort in my life,”Mr. Levinson, rejected the proposal.

Ms. Schmidt Nagel, said the sector had legislation against the labels, because the procedure would be inconvenience, consumers and increase costs. ”It sent a quantity of paperwork,’’she said.

Characters of the discussion

It is very human to debate.

”The minimum insurance costs $ 600, and it was not possible,’’said a woman 23 years in San Francisco, drives a 1978 Volvo without insurance or registration, and said, the condition they can be identified.

She works in a non-profit organization of citizens’ rights as an intern, earning $ 8.50 an hour. This year it was $ 278 fine for driving without insurance or registration, but had no money to pay. She said she continued to drive illegally, mainly because they do not feel with transit in the night. If it has caused an accident, she said she hopes to cover the other costs through the sale, what was left of his car, bought two years ago for $ 2000.

Last year, Joseph H. Wood, aged 23, a resident of Philadelphia, said he bought a 1985 Nissan Stanza $ 6000. City of insurance companies, premiums ranged from $ 5552 to $ 8000 for a political basis, it rose to a suburb, King of Prussia, where he was buying a policy for $ 2593rd It” is scandalous,”Sir, “said Wood. Profile industry is not assured polls indicate that most people do not buy automobile insurance are young, not men, face the highest insurance premiums of each group, and tend to low income and few assets. It is also the group of the highest accident rate. Half of uninsured vehicles are in possession of people who are unemployed, part-time, pensioners, students, housewives or, according to a 1988 study on insurance Research Council. One third of uninsured drivers earn less than $ 5000 per year, and another third of these drivers earn less than $ 15000 per year.

A recent survey of Temple University in Philadelphia showed why one of the highest auto insurance in the nation. Professor Paul Silk economic statistics recently Philadelphia students interviewed by phone at 310 inhabitants, one third said that their cars were stolen or vandalized in the past two years and nearly 60 percent said she knew that human beings Led without insurance.

Pennsylvania and a dozen other states have stepped up efforts to the implementation of the compulsory insurance laws or stabilize the prices of insurance, or both. On 1 July a new Pennsylvania law, which came into force that requires insurance companies to reduce prices up to 22 percent. It requires mechanics, demonstrations annual safety inspections to refuse stickers for windshield pilots, no insurance cards.

On 1 June Massachusetts opens a connection between your computer from state registry of motor vehicles and insurance agents do, with approximately 250000 inhabitants, make advance payments on insurance policies for recording and then cancel their policies immediately after obtaining registration cards. Under the new registration system offers local police officers a week the list of vehicles, lack of insurance. The police can be no question of the source data to impose fines of up to $ 5000, and it can ensure that the fines as incentives to do the job.

In New Jersey, Jim Florio Dir this year, has announced that the state would increase its efforts to their estimate of 600000 uninsured drivers and to withdraw their licenses and registrations. And in the last 12 months, half a dozen countries have increased penalties for driving without insurance. A driver without insurance in Hawaii, for example, faces a fine of $ 1000 for the first offence and a fine of $ 3000 for any other offence.

But consumer advocates say that without insurance premiums affordable insurance laws will not solve the problem. Even in Hawaii, where 7020 recipient of social assistance receive free motor insurance in the framework of a national insurance, officials, 110000 of 600000 cars in the state, has not had the insurance in 1988.