Connecticut Insurance

After falling for two years, car insurance premiums across the country stand again at the resumption of regular quarter-century, an increase.

Several major insurers - including Progressive, Geico, State Farm and Allstate - have begun to impose higher prices, and analysts say that by the end of the year, most other companies will probably follow. Insurers said they were forced to act because the increase in costs for repairs and treatment of injuries.

”The trend is clearly up,’’said Thomas V. Cholnoky, automatic, followed by insurance for Goldman, Sachs

While increasing the size is very different - and some companies are still cutting prices - an increase of at least 4 to 5 percent are not uncommon. And some companies have pushed up prices in some countries over 10 per cent. Analysts and industry leaders indicated that they expect more of the same next year.

In New York and Connecticut, the first signs of change appear. But the situation is less clear in New Jersey, where costs of auto insurance - an average of $ 1150 per year, a car, compared with $ 700 nationally - was the highest in the country. Last year, the legislature has the unusual step of appointing a reduction of 15 percent in prices.

While spending the insurer may growing in New Jersey, as elsewhere, “said industry leaders, it was difficult to predict whether that cost would be offset by legislative changes aimed at reducing fraud and litigation and if not, to what extent political leaders allow price increases.

Consumer advocates say that the increases are not justified. J. Robert Hunter, insurance director of the Consumer Federation of America, said that even if some were rising costs, spending for insurance, all were still down.

American spent an estimated $ 126 billion last year in car insurance, which is mandatory in all countries. It was almost four times what they pay for their houses. There are many other claims on cars and passengers at home, but the rights and responsibilities of hundreds of thousands of dollars are much more common in car crashes, incidents apartments.

Besides price increases, insurers are reducing or eliminating discounts and screening applicants more carefully, so that the highest risk drivers and simply refuse to sell to some. Several companies were also dropped on piracy administrative, with layoffs in some cases.

Consumer advocates say that, to ensure that the offer still the best, because prices increase, people should review their accounts and prices of several companies. But rather than on the basis of coverage decisions on price alone, defenders advice people to familiarize themselves with friends and insurance regulatory authorities to learn how to treat customers of different companies.

The price of auto insurance has risen steadily since 1973 and in the years 1997 to an increase of more than two times faster than inflation, according to the Bureau of Labor Statistics.

But in 1998 they were 2.8 per cent last year and 3.2 percent, said Robert P. Hartwig, chief economist at the Insurance Information Institute, an industry group in New York. Insurers said they had their prices cut costs for claims falling.

Although fewer and less serious accidents occurred, in part because of security features such as airbags and antilock brakes. It was also during drunken driving and car theft, and show that aging baby boomers have more and more drivers safer. A says Hartwig body medical costs and charges were levelled.

While many of these trends continue, “said Hartwig their financial benefits are eclipsed by a resumption of expenditures for repairs and treatment of injuries. He said that repair costs are made in part because many companies are more generic with spare parts after the Land Farm was sued by consumers last fall and the payment of $ 1, 2 billion for manufacturers of origin.

Randy Stoddard, a force of Safeco, the nation the 15 biggest insurers said, while the number of accidents is decreasing, the seriousness”.”

In addition, he said:”The new cars are smarter and more costly to repair. And people are more expensive to repair, we ask that medical care inflation.”

Mr. Hunter said he had no shadow of a doubt that the insurer the cost per accident. But”,”, he said que”le number of accidents is falling faster than the increase in costs.”

Safeco, a loss of almost $ 40 million in its car insurance business during the first quarter in 20 states so far this year by almost 1 percent in Colorado to 8.2 percent in Michigan. Last year, prices have in 18 countries.

The two biggest companies - State Farm and Allstate - are still cut in several countries, as they are collectibles, but they are also the first signs of a postponement. Last year, State Farm cut in 48 countries and an increase in prices in a single, Massachusetts. So far this year, State Farm, cut there in 15 countries and an increase of 10, including an increase of 5.6 percent in Montana.

State Farm seeks a decline of nearly 5 percent in California, the state with most drivers. But Mr. Cholnoky said that an analysis of rates in California showed that State Farm prices among the highest in the state, 31 percent higher than Allstate and 55 percent higher than gradually.

So far this year, Allstate, the price of two states - Louisiana and South Carolina last year, there was no increase. While getrimmten sentences in 10 countries last year, only 4 countries have already reduced this year.

In New York, where regulatory authorities have taken measures to ease costs for insurers, as they New Jersey, is one of the largest companies, Progressive, the price rose 4.3 percent. Nineteen small businesses have increased in the village, ranging from less than 1 percent to 18.6 percent, six other small businesses, reduced prices. In Connecticut, one of the biggest insurers Nationwide Mutual, 4.9% higher prices and six other insurers have grown smaller. Five small insurers, reduced prices. Last year, price reductions in the number increases by nearly 3 to 1

A small company in New Jersey, GSA, raised premiums 15 percent, New Jersey and several insurers require regulatory authorities for even stronger. But John Tiene, executive director of the Insurance Council of New Jersey, said this increase has been requested two years ago and do not meet current expenditures. The increase of GSA, however, had the effect of nullifying the 15 percent legislative Rollback.

The state Senate gave final approval tonight to a legislative waiver of Connecticut’s 20-year-old no-fault automobile insurance law, say critics, has been successful, even if the status of intention, an increase in premiums and clogged the courts.

The repeal measure - the authorization nor Dir P. Lowell Weicker Jr., did not say whether subscriptions - would replace the debt can not be certain of an amendment to a crime, said that it supported a reduction in auto insurance premiums of basis for more than 19 percent.

There would also acknowledged that disputes over car accident back in the courts, by the requirement that the responsibility to determine, before claims are paid. But the bill creates a new Fast-Track system decision is aimed at solving these additional cases through mediation and nonjury studies for claims of $ 75000 or less. Remove batteries

Furthermore, to eliminate the practice known as “Stack”, in which a person who owns a car more than insurance benefits for each vehicle to a payment later. Insurance companies have argued that, for years, that batteries policy fuels artificially insurance costs.

Currently, 14 states, including New York and New Jersey, have no debt insurance. Connecticut bill, if it is the law, only the fourth time that the fault is not a guarantee of State has cancelled its status, according to the American Insurance Association, a trade group. One of these states, Pennsylvania, repealed no-fault, then decreased.

“No debt has not worked,” said Senator George C. Jepsen, a Stamford Democrat, supported the bill. Mr. Jepsen said he had no illusions that car insurance premiums in high-income countries, cars and expensive health care costs never be cheap. “But what we now have before us a sensible, intelligent,” he said.

The 28 to 8 vote in the Senate sends the bill to Governor Weicker. Before the signing, he said, it would be to analyse, make sure the bill fulfills a series of tests, including the question of whether the savings on to consumers are in a “real and measurable” track, regardless of whether they are insured better, and how they can affect security Highway.

The House of Representatives passed the bill last week, a 142 to the majority-7. Überwiegendes a governor’s veto requires 24 votes in the Senate and 101 votes in Parliament. Shifting costs

Supporters of the law argue that the crux of the no-fault system - a $ 5000 of basic medical care, that all motorists in Connecticut is now necessary to buy - is not effectively control costs. Under the bill lawmakers, medical expenses are reimbursed by the driver instead of political health insurance - in other words, in most cases, their employers, have generally already controlling costs health maintenance organizations and other approaches.

Opponents say the transfer in employers’ costs in the medical is not savings, and that many people who are unemployed or have no health insurance to their work could be left vulnerable if injured . The bill allows people who would otherwise not covered by health insurance continue to buy the main reports on their policies of the car for an extra cost. It would not require the coverage, because the current law.

“The estimated cost savings of these accounts are balanced on the backs of those who can afford it at least,” said Senator Donald E. Williams Jr., a Democrat Thompson. Improvements are probably

The assurance of the local economy, including giants such as Aetna Life and Casualty and travellers, who are both headquartered here in Hartford, has reluctantly accepted the bill is considered the best compromise available. But insurers say it is an emergency solution and in the best case, a complete overhaul similar to what the New Jersey three years ago - an electoral system, with insurance a menu in which no debt and crimes Options - probably the next step.

“This is not the last act,” said David F. Snyder, consultant American Insurance Association, Washington, a trade group. “Costs in Connecticut will continue to increase - the origin of the high costs of litigation and you have more stories, not less.

California is considering a new system of auto insurance that drivers would have to pay royalties on the fuel pump and the costs depend more on how they lead many traditional factors such as type of car, or they use they live.

Some insurance companies and lawyers process hate the idea that it is too easy “out-of-control rising insurance costs and the huge problem of uninsured drivers.

Environmentalists have high hopes that the concept will catch up, here and across the country, as they say, it increases the price of the conduct of its costs, more precisely, which is to discourage the traffic.

State Senator Art Torres of Los Angeles, a Democrat, head of the Senate, insurance, patent rights and corporate capital committee, said he would “pay-at-the-pump” legislation requires a fuel surcharge of 30 cents per gallon, as well as vehicle registration services are booking fees. The basic plan, insurance for all drivers, even if people, their own expensive cars would probably choose to buy additional coverage to private property, which would be authorized under the plan. Addressing uninsured drivers

The proposal by rear-men say, there will be a crisis of auto insurance in California, which has a higher rate of automobile insurance in the nation. As long as 6 million from the state 20 million motorists are not insured, driving illegally because of costs.

The new plan is a book, “auto insurance alarm” (Simon & Schuster Simon & Schuster, 1993), by Andrew Tobias, a financial columnist for Time Magazine. The current system is unfair and terrible terrible waste ” he said in an interview. “This plan would, far from all sales, far from the hotel to all lawyers and not the requirement of uninsured drivers. I think that’s a powerful concept.”

Proponents say that the new concept is also billions of dollars in waste disposal. The California Department of Insurance, said 44 cents of every dollar on insurance premiums for losses actually paid as medical care, lost wages and repairs. According to the proposed plan that will strengthen to 72 cents of every premium dollar, the Division estimates.

The proposal has the support of the National Insurance Commission John Garamendi, estimates, California is it save drivers $ 4 billion per year, the average amount of reduction, the driver of a car going on in auto insurance a third. Although prices vary depending on a variety of factors, the average driver 30 years without injury now pay about $ 556 per year for basic coverage. Under the plan, as a driver to pay $ 311, the insurance division said. Support groups of consumers

Some consumer groups and environmental groups have also approved the plan, praised its simplicity and its potential to lead the roads and reducing air pollution through economic incentives for people to reduce their driving time and kraftstoffsparende passage to vehicles.

But the resistance against the plan of an alliance between insurance companies and trial lawyers. They characterized the idea unfair, unrealistic and full of questions unanswered.

The pay-at-the-pump is not a new idea. Maryland that such a plan in the year 1972. Legislation has been at the meeting of 1975 in California, but failed. Unlike the current proposal that we have not for insurance protection whatever the pilot who was a fault in an accident.

Under the “no fault” Determination of the new plan, insurance, a ban on use of pain and suffering, to 100 per cent coverage of medical expenses up to $ 25000 for lost wages and $ 5000 on the coverage rate of collision. An additional coverage could be purchased in private.

Even if other states, including New York, currently have forms of “no-fault” insurance, they allow complaints for damages in a certain severity of damage or if more than a certain limit. In Connecticut, which aa no-fault state, actions are allowed when the damage exceeds $ 400. Reserved on the proposal

New Jersey also has the highest auto insurance in the nation. But most experts say a pay-at-the-pump plan, it would be impractical, if not all neighbouring countries also had such programs, because it would be too easy for motorists driving in New York, Pennsylvania and Delaware or buy fuel without additional fees.

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.

A campaign for the revision of Connecticut car insurance system provoked debate on the state, especially in this city, insurance is king and his palace line of the road on the statehouse.

Automobile insurance reform is difficult in the best case, like other countries have found. In New Jersey, radical changes in force in 1990 by Jim Florio Dir have produced mixed results. The governor said he had prices for good drivers, but insurers complain that the State has imposed unacceptable restrictions, it is not profitable to do business.

In Connecticut, the changes needed for trains action of rising premiums have pitted one against the two influential groups: the insurance industry, Hartford dominates the business scene, and state lawyers. The groups exchanged insults, lawyers accuse insurers to try again suffered losses during the year 1980, property investment, acid, and the insurer says that lawyers have an obvious interest in fanning the flames litigation, car or different.

The recent attempt at reform, which some lawyers seek to distort, represented by an end of the legislative commission, last month only to the exclusion of another. It is a vote for the Chamber of Deputies this month. Revision of Code 1974

The Bill seeks to control costs through a revision of errors of non-coverage of the liability for damages that the State in 1974. In return for these and other changes, insurance companies contribute to the reduction of premiums for two years, starting in 1995. Last year, died of a similar bill in committee.

Connecticut is one of 12 countries of no-fault insurance, which transfers a person’s right to complain because of the injury and lost wages in exchange for a swift medical costs, which exceeds no limits. No error coverage is valid for both bodily injury and property damage, but claims for injuries were climbing even faster than many requests for property damage. Before the debt has no insurance cases, the parties before the court to consider in order to determine which pilot error was to collect and claim injury.

The main argument is the border or on the threshold at which personal injury appeal may be filed. The limit has not changed since Connecticut’s no-fault law was passed, if the value limit was $ 400. This means that a person must be over $ 400 in health care costs after an accident, prior to acknowledge.

“This means that even a minor accident, small injuries, is able to court,” said Ross Brown, a spokesman for the insurance industry Association of Connecticut, a trade group whose headquarters is in Hartford. “We believe that this is a base rate.”

The association show average prices have increased by 10 to 15 percent per year since 1984. The American Insurance Association, a national trade group, said that each insured car in Connecticut expense of the insurer an average of $ 196, because the injury suffered by respect for the rights, compared to a national average of 116 $.

The bill considered, which was written by the new insurance commissioner, Robert Googins, behind the proposal to raise the threshold to $ 5000. This is a much esteem, far too high. The latest version of the bill, a threshold of $ 2250 value which has won support in some quarters, but the Insurance Association of Connecticut, for a man who does more to the bill because of the reduction in the number ..

Jay B. Levin, a lawyer as a representative of the Coalition for fair auto insurance rates, cited other problems with the legislation. “This bill has been approved according to some quarters as a consumer choice bill,” he said, “but I think it is better characterized as a consumer fraudsters.

“Saying that people can do something, which is an indispensable part of their daily lives, then start whispering in his ear that all you have to do is to forego some criticism of your rights as you Asked have a law, then the economic demands are too forcing people to save a few dollars.

On the eve of the election, New York, there are a lot of votes. There are cries of “Yes!” for Bill Clinton at a restaurant in Brooklyn, thumb down for him only a few tables. There are statements made by rescuers Jerry Brown in Harlem, Jerry Brown in West Chester credible. There are disappointments and gesticulating. There are jokes that the candidate is not inhaled, the other has never ausgeatmet. A20.

Works by Bill Clinton to erase doubts about skeptical alienated from New York. A1.

Brown unveils his message of revolt - by Washington to Buffalo. A1.

New York in the first line: nonideological, nonracial and several choices. Metro Matters, B2.

A sample ballot. A16. New York City, the extent of hunger in Queens

Twenty per cent of low-income families in Queens with at least one child under 12 years have passed since long hunger - in some cases because they are not aware that qualified for government aid food, according to a report by the Centre for Food Research and Action, Washington Advocacy Group. B3. New instrument in the war against graffiti

Two groups in the Queens neighborhood common in the fight against graffiti a High-Tech-Touch. You have video cameras hidden in the facades of buildings and other likely targets of graffiti. In Bayside, 13 youths were caught in a device made available by the Chamber of Commerce Bayside. In most cases, groups call the parents of young people in their catches. “We used the film in principle regarded as a negotiating tool,” said Michael Klosner, the president of the operation “Storm graffiti. B3. A highway own VS. The transport chaos

Few things in Brooklyn, more than irritants, transport and more impenetrable than political. But nobody in the city Department of Transportation has been doubting the anger ambush awaits its plans for the closure of the Prospect often overloaded, May 3 Expressway for an all-volunteer prettification project. Borough President Howard Golden, attacked the cleanup project as nothing less than a folly Indifferenzierte by the government. Prospect Expressway Journal, B3. Three killed in Social Club

Three men were killed and a fourth was seriously wounded after being forced lie on the floor a license Social Club in Brooklyn, what police said was a rape. B3. Region new lines of new faces

The new convention centre are still in the districts of justice, but the revelation of New Jersey’s new political map has paved the way for pent-up political ambitions and nudged at least two incumbents to retirement. The changes would not only form the supporters of the congressional delegation, but also to destroy, their strike force policy. B4. At the front of the house scandal

Until recently, Matthew F. McHugh, Democrat of Ithaca, was known among his colleagues on both sides of passage in the House of Representatives as a man without enemies. Mr. McHugh’s role as chief investigators of the bank, the case has recently made him one of the most feared members of Congress. But the revelation came to then, once it has exceeded its own account at the bank. B4. Reform of insurance in Connecticut

A campaign for the revision of Connecticut car insurance system provoked discussion on the state, including Hartford, where the king of insurance operations and its castles dotted along the roads of the statehouse. Changes in automobile insurance are difficult to better everywhere, like other countries, including New Jersey, have found in Connecticut, but changes to the moderation of rising premiums have pitted one against the two influential groups : The insurance industry, Hartford dominates the business scene, As state lawyers. B4.

Given the objective of pocketbooks Out-of-State-pilot illegally register and insure their cars in New Jersey, state officials today filed complaints against civilians 200 people of New York, Connecticut and Pennsylvania. The complaints seek fines of up to $ 30000 per car.

State officials said, 125 motorists have claims over $ 300000. In one case, a New Yorker, owned five luxury cars, including a Rolls-Royce, paid a fine of $ 10000.

Although New Jersey’s average of the annual insurance premium of $ 900 to $ 1000 per vehicle among the highest in the nation, policies in urban areas of neighbouring countries may incur some costs to $ 3600, so that it is attractive for the use of a relative or friend Address in New Jersey for the acquisition of new Jersey to buy plates and insurance, “said Edward J. Dauber, Executive Assistant Attorney General.

Moreover, Connecticut capita annually could avoid paying the tax on cars, the amount to hundreds of dollars to delay expensive model car. Losing money pools

“We believe that the use of our insurance system Out-of-State residents adds approximately $ 100 on premiums for drivers of New Jersey,” said Dauber. He said, another study estimates that rights of motorists State false accounts based on residency for $ 400 million to 600 million total of $ 3 billion deficit in the common law of Underwriting Association and its successor, the market Transition Facility.

The actions against the Out-of-State-drivers was more difficult after the coup Insurance Fraud Prevention Act in January clearly stated erroneously that New Jersey, an address is an offence, regardless of whether the driver files more and more insurance. In the past, the State had to wait for a request was before he could file under the accusation that normally a $ 200 fine, “said Louis Parisi, director of fraud prevention Insurance for the New Jersey Department of Insurance.

According to the amended law, a car, the driver faces a fine of up to $ 5000 for a first offence, $ 10000 for a second and $ 15000 for a third. In addition, motorists to pay the insurance premiums are to avoid the misapplication of legal costs and could be forced to return to each type of insurance, they are entitled to receive payments. Mr. Dauber said the State expected to receive an average of $ 30000 for each of the defendants in which the civil action. “Make It dearly”

Mr. Dauber said that thousands of motorists were still illegally Register purchase of cars and insurance in New Jersey and that a task force would continue to insist court complaints against them.

New Jersey is the first state in the country to allow civil and costumes for insurance fraud, “said Parisi. “Motorists, submitting false information to circumvent insurance premiums are stolen,” he said. “Our intention is that this is very costly for them in the game.”

Mr. Parisi said he had heard that a lot of Out-of-State motorists were food office space get rid of automobile insurance of their recordings, New Jersey and buy insurance, where they live, as news about the tough approach has spread.

All the accused in the case of civil law under way in Superior Court here were found by rights insurance. Mr. Parisi said that while the rate of fraudsters come with an address in New Jersey, they did not care paper to create a legitimate way of residence. “You do not have a vote, no records on property taxes or Utility bills,” he said. An employee a little more clear as an address. Others have rented a mailbox and all investigators had to do was follow the e-mail to tenants of the Out-of-State address. Block Philadelphia

The insurance division was also successful implementation of the “sweeps” of urban areas, seeking plates from New Jersey. “If you with our plates of cars parked on a street in New York, the words” parking for residents and cars residence with terminal label, you’ve probably something, “he said.” We found a plumber to Brooklyn, was New Jersey plates on his truck passengers.

Direction: transfer of debt for the high cost of automobile insurance in the insurance sector, Dir Jim Florio today proposed a drastic change in the way auto insurance in New Jersey with his adviser a said plan to decrease, until the driver to pay $ 860 per year, from $ 1112 within one year.

Laying the debt high cost of automobile insurance in the insurance sector, Dir Jim Florio today proposed a drastic change in the way auto insurance in New Jersey with his adviser said a plan of reduce what the driver to pay up to $ 860 per year, $ 1112 within one year.

The governor’s plan is to head confrontation with a seemingly intractable problem, and powerful business groups, including the insurance sector.

At the heart of the plan is the elimination of the Joint Underwriting Association, an organization of the State created in 1983 to ensure high-risk driver. The organization now provides 40 percent of drivers and the state owe a debt of $ 3 billion.

Mr. Florio plan, taxes and assessments of $ 1.4 billion for insurance to reduce the debt of the association. It would also eliminate $ 212 per year, that all drivers in the state, Pay support the club.

Speaking to a special joint meeting of the legislature in its sixth day within the Office, Mr. Florio also proposed that drivers can choose health insurance rather than motor insurance for the protection of injuries in car accident, a step, “said the governor would cut costs.

The plan would also eliminate some companies use criteria for the auto insurance premiums, such as age, sex and place of residence. Instead, would be based on what Mr. Florio these criteria, as the conduct of motorists.

New Jersey is one of the highest automobile insurance rates in the nation, and the increase in premiums has vexed politicians here, as in other state capitals for years. In a promising reduction of 20 per cent, Mr. Florio the same objective as the initiative of the voters of California in 1988. Courts have blocked the measure.

”I will not allow organized a rip-off, the driver of New Jersey,’’said Florio. ”I am not saying that I did not say that the faces of insurance executives and representatives of all other interests, to take advantage of the current system. I made it clear that if they impede the man, they lose.”

According to the Governor’s Office, an average driver pays $ 1112 per year, including payments to the association to stay afloat. The average premium in New Jersey is higher than what most motorists pay in New York and Connecticut.

Mr. Florio’s plan, the official said that costs up to $ 860 per year, within one year after its strength. The decline would be the elimination of $ 212 for payments for the club and the arrivals of some drivers of his injury relocation of their coverage of health insurance, a savings of $ 40 per year.

The governor’s proposal, told his advisers should be entitled to science in 60 to 90 days was met with the general consent of the Democrats control both houses of the legislature, said the rapid move seemed likely.

But Republicans and some representatives of the insurance industry said they were deeply concerned by some elements of the plan. She suggested that Mr. Florio travel was for business, the elderly and health insurers. Critics have also suggested that a tax heavily insurance companies, the wind in the courts.

”I feel it has been said, we thirst for profit,’’said Ronald Krauss, spokesman for the American Insurance Association in Washington, which represents 220 companies. Mr. Krauss added that auto insurance was not very profitable in the affairs of state.

”There are many cost-Shifting happens in this plan, Sir,’’said Krauss. It would be in”kurzfristig During premiums, we, whether the cost base of auto insurance and avoid the higher costs in the future.

Acme Rent-A-Car is a small company in a former service station in the city of New Haven. But Acme cars come with a gadget. You equipment global positioning satellite, with businesses recognize that the car went quickly. And Acme requires its customers for the additional payment of $ 150 player, if 80 mph or more for more than two minutes.

It may seem that the State of Connecticut would be happy with this innovation, because they could deter reckless driving. But rather than the State has been raised with the Acme Ausübung”in one of inaccurate and unfair practices on trade.”He wants to stop discrimination Acme speeders.

In most cases, a State, such a measure would be difficult to criticize. We, as a society do not want sellers to sanctions because we do not want consumers to terrorize in carrying out their promises at all costs. But in this case, that the penalty is a private supplement to the penal sanction. The company has already decided that drivers should not be speed, whatever the inconvenience caused to obey the speed limit. It is difficult to see what social good of the state with respect for their action.

The state said that Acme not disclose, acceleration tax policy towards its customers. There are several reasons. While the cargo is both the rental contract and a shield behind Acme market rentals meter, this information is not exactly how the indictment. It was unclear if anyone constant speed between New Haven and New York would be responsible for $ 150 or 20 fees.

A tenant, the Rev. Curtis Cofield II, testified that er””erstaunt when he found that his credit card was charged. But then, Acme May were surprised to learn that he has more than 80 mph.

But if the disclosure was the single issue of any Acme could satisfy the state, a disclosure in the biggest in the nature of their contracts and requires that customers first. This is not a market where consumers would be better informed of all consumers of the contract. Acme’s $ 27.15 day course is one of the lowest in the city.

At the centre of the dispute is the status of the claim that Acme can not win the provisions in its contract to protect themselves against certain types of damage. A seller can be cooler than the cost base for its product or service, but it is not permitted to withdraw its sanctions. The ban has sanctions against the excesses of old roots in common law: Acme obviously can not demand a pound of meat to accelerate. But some other tenants to pay vehicle taxes usual. Often companies hire car included $ 4 or $ 5 for a gallon of gasoline to fill the car, it is sometimes pay and 50 cents for every kilometre driven. Connecticut has no problem with these costs, although they far outweigh the costs of the company.

A comparison of social consequences, said that Connecticut punishment is not the practice. Do not harm third, if a driver does not occupy a rental car before returning, but maybe kill someone, if the tenant readers for long periods to 90 mph. If the objective of a State would hire firms car “excessive taxes, service stations, profits should be considered as unacceptable as more a business, the acceleration of earnings. There are legal arguments for the idea that social protection. For if companies can benefit consumers the convenience of not doing full, why can not they add that their price, if the consumer comfort of driving fast? Alternatively, the company was unable to communicate with a discount instead of a sentence: for example, there could be a daily rental of $ 177.15, with a discount of $ 150 per day, if you do not speed .

Few companies sell transmitters for monitoring vehicles on the road. AirIQ, Acme sells its equipment, especially the markets to companies from car rentals, but so far large companies are using the GPS system, such as stolen cars, not to follow the acceleration. RentalTrack.com markets for parents who want to know where their teens are driving times and owners of heavy vehicles, the pursuit of their fleets. One day, however, the rate may be followed in common. It could result in more affordable automobile insurance for new drivers or lower premiums for customers to become familiar with the limit values posted. Many other applications probably not even imagine. Acme is just before the curve.