Connecticut Insurance

The courtesy of the governor of Connecticut race, in which television, commercials were tame tonight, as evaporates Dir John G. Rowland and his Democratic challenger, USA representative Barbara B. Kennelly, while casts a debate on issues as large as the government education and insignificant, as they should cover all others.

The exchange was clearer Kennelly woman on the tax reduction plan by 10 per cent, she said she accomplish repayment of this amount for cities, collecting the tax. Mr. Rowland, a Republican, verspottet their plan as a gaming environment, it would push public spending.

Mrs. Kennelly schnappte,”For God’s sake, do not understand your own budget?”

The gouverneur”in withdrew the name of a domain that you would reduce spending - one,”he said.

Kennelly woman began to explain their plans with the words,”The land tax. . .”

But the governor interrupted and said:”The expenditure! Expenditures! Expenditures!”

Mrs. Kennelly, then said,”I am not going to make him the execution of the program.”Press parts to answer the question of spending reductions after the debate, they were far from journalists.

Although a general rule, they apply to them as governor Rowland””und”Frau Kennelly,”after she verspottete plan of tax cut, “she said,”Now , John, let me say once more extended.”Later, she schalt to appeal his femme”Kennelly .”” I’ll call you ‘Governor’, if you call Me “Congress Woman,” ’she said.

”Let me remind you what you want,”he said. ” ‘Congress Woman “is in order. They never asked.”

Referring to six years, she served together in the House of Representatives, “she says with a laugh,”They called me” Babs “If I remember correctly.”

Tonight’s debate, in the chandeliered splendour of the Hartford Club, was the third in a series of four. The questions were posed by a moderator editors and publishers of newspapers Connecticut.

During his campaign, Mrs. Kennelly was unfavourable to the attitude of the argument that, although many indicators show that the economic health of the state has done over the last four years, Mr. Rowland should do more. After a question about the state of finances, Mr. Rowland gleefully said,”I believe, Madam Kennelly spoke for themselves: She said, we are in great shape.”

Break, “she says short, I dit”certaines people are in great shape.”

If Mrs. Kennelly attacked the Governor’s record in training, he replied that Mrs. Kennelly had done nothing to help Washington, Hartford public schools, and added:”Not once an appeal for me.”He continued ’say, was at the same time that er””arbeiten feverishly around the capital schools. ”This is a classic example of choice of this year compared to the record of rhetoric,”he said, repeating what his mantra during the debates.

Mrs. Kennelly, the governor disputed proposed cuts in the education budget during the first three years of his administration, replied,”I hope that you will not receive new fever.”

Mr. Rowland read a statement that Mrs. Kennelly had on public affairs television show he said and maintained its fiscal policy.

Kennelly woman said:”I can not remember what I said and I do not think I said, you said what I said.”

In its sharp difference in content, Mr. Rowland said he was against the procedure that opponents call sometimes birth abortion, while the woman said Kennelly women should take such a decision. Mr. Rowland has been an opponent of abortion, while the Congress, but it was a defender of abortion rights if it is expired unsuccessfully for governor in 1990.

”There is no window,’’says tonight and he said that Congress has addressed issues of funding, while the governor, he had to make sure state laws. He continued to explain its position with the words,”I’ve always listened to the government to maintain compliance with our lives at every opportunity we can.”

The introduction of a new edition in the race, said Mrs. Kennelly inhabitants of Hartford suburbs have an unfair advantage vis-à-vis people in the city self-insurance and services. Mrs. Kennelly, a life established Hartford, said that his report had been cancelled once, because of where they lived, but it was later restored.

NEW Jerseyans have known for some time, they pay the highest auto insurance premiums in the country. But given that the costs continue to rise, while neighbouring countries, also appear to increase the limit high price of scope comes increasingly as a major political issue.

NEW Jerseyans have known for some time, they pay the highest auto insurance premiums in the country. But given that the costs continue to rise, while neighbouring countries, also appear to increase the limit high price of scope comes increasingly as a major political issue.

In August, Kenneth D. Merin, the State Insurance Supervisory Board Commissioner, announced $ 60 million in increases, including higher premiums for motorists, see the fault in an accident and rebates on savings to motorists reduce the choice of certain coverage options. For thousands of New Jerseyans, has meant the annual increases of up to $ 158 on their insurance premiums from last week. In addition, the state insurance supervisory division expects that the rule until the end of this year, a request by 16 per cent of higher costs for basic care, the current increase in costs Annual estimates for self-insurance in the state of $ 105 - $ 640 to $ 745.

Although state officials have said that the request should not be granted in full, its size has an important automobile insurance in legislation this autumn races, Landeshauptmann Kean and the gathering of Republicans conducted on loggerheads with the Democratic At the Senate majority, as premiums.

According to Best’s Insurance Management Reports, an industry newsletter, New Jerseyans spent an average of $ 607.27 per year for auto insurance in 1985, the latest year for which figures are available. New York, by contrast, paid an average of $ 489.06 for the year 1985, in Connecticut, the average of $ 418.58.

Among the reasons for New Jersey’s premiums amounted to the most dense population of the country and its overcrowded streets. Another factor is a law, motorists to buy unlimited cover for medical expenses from an accident. All other borders of the State of Michigan, except health care to somewhere between $ 10000 and $ 25000.

The policy, however, is the emphasis on the ease with which drivers the possibility of another. New Jersey law eine”Schmerz costume and Leiden”Fahrlässigkeit be on the basis of a medical bill, $ 200 or more, while New York, Connecticut and in most other countries have either an increase in medical costs threshold or a descriptive “” Schwelle”verlangt verbal evidence of physical injury.

”The limit of only $ 200, submitted by the doctor to patients treated with the challenge of up to $ 200 bill, he can lodge a complaint,’’said Thomas Hooper, Special Assistant to the Commissioner Merin. ”And, of course, $ 200 these days is practically an office visit.”

Between 1973, when the State has a no-fault automobile insurance plan, hoping to reduce the need to test, and in 1985, the number of negligence car is actually increased by 41 percent, to 16400 27800th In contrast, New York State is a no-fault state, adopted a verbale””Schwelle credited during the year 1977 is that with the support of reducing the number of complaints in 16600 the year 1985 (it was 24300 1965).

In August, the Assembly approved the New Jersey 37 to 2 for approval of the bill Republican Governor Kean, on the adoption of verbal threshold. ”There is no doubt in my mind,’’said Assemblyman Ralph A. Hahn, a Morris County Republican and chairman of the Assembly committee on insurance,”that if we could verbal threshold, we could save $ 100.”

But in the last month the Senate and believes that restricting the right to complain, it would be an unfair measure anticonsumer, I have 41 to 27 in favor of a bill giving aspiring competitors parties a choice between a threshold or a verbal $ 750 medico - Cost threshold. Neither the House is expected that other accounts soon.

Assemblyman Neururer has introduced new measures to reduce the limit pain and suffering price $ 300000, costumes assign responsibility for a certain level to say that arbitration and to prevent a victim to receive payments for same violations more than one source derived, for example, by his insurer and a judiciary. ”All this is very innovative and by any means,”he said,”but it is not easy to make a reform in this state. If we can not do something, we entlaufene insurance premiums.

Dir Christine Todd Whitman said today that the driver of New Jersey have paid too long the nation’s most high automobile insurance rates and the proposed regulation would allow insurers to offer limited coverage for lower premiums.

In his third annual address on the state legislature, Governor Whitman welcomed their management for a number of benefits to cut the yield taxes on the national curriculum imposing standards, but she acknowledged that the reduction of tariffs auto insurance has remained one of its biggest challenges.

With vowing automatically lower insurance premiums, Ms. Whitman sought for a problem that his opponent Democrat promised a campaign for this year’s gubernatorial race. In his speech of 50 minutes, the governor impressed several other themes appealed to voters, environmental education to crime.

The proposal motor insurance, insurers to offer four options for drivers of vehicles, all to continue with them $ 250000 to cover medical expenses and loss of wages. To varying degrees in the plans, drivers would have been able to reduce their premiums by abandoning or restricting their ability, a claim damages in court the pain and suffering.

Mrs. Whitman said, also on the elimination of the surcharge insurance companies impose bad drivers and new drivers. And she said, she would automatically annual interest rate increases now insurance companies by the State.

In the recent poll auto-insurance rates for 1994, the average premium in New Jersey was $ 964 - $ 314 above the national average, according to the National Association of Insurance Commissioners. In New York, the average premium of $ 870 was the fifth largest in the country, while Connecticut’s $ 863 was the sixth highest.

After aid Whitman, a motorist now pays an average of $ 536 for insurance policy mandatory minimum savings of up to $ 187, under the chairmanship of the governor’s proposal by choosing the least expensive.

Realizing that the various interest groups have been effective in controlling the efforts of a self-insurance in the past, Governor Whitman acknowledged that there is a hard fight to win legislative approval for plan.

But the governor said it is ready. ”To not make mistakes,’’she said in her speech, dispositif”véritable reforming auto insurance will not be easy. Good performance of special interests are already mobilizing to preserve the status quo. But, if they so wish, a fight, we give them.”

Assembly Speaker Jack Collins, a Republican from Salem County, said that the legislature would have a narrow view on the proposal. While Mr. Collins said he had no objection to provide legislators on the Governor’s plan to eliminate surcharges and controlling fraud and abuse, he said that limiting the scope would be simply not win approval.

”I do not know if this is the best way to solve it,”he said. ”I think we have to be very careful. I am always worried when you deny the right of the accused man. But I understand that in some cases, it is the welfare of society.”

The Democratic lawmakers attacked the plan and said that automobile insurance rates has been high, because the hotel allows Whitman has increased by 10 insurance companies, beside the automatic annual increases ranging from three to five for one hundred percent.

”We have higher prices, because the governor of insurance will increase rates,’’said Joseph V. Doria, a Democrat from Hudson County and the Assembly Minority Leader.

Mr. Doria said he was concerned that the driver to choose the cheapest options in its entirety, without understanding the impact of the coverage and less to waive their right to sue. ”You will receive $ 1.98 politics does,’’said Doria. ”You are in a desperate situation. Politicians are the weakest and God forbid, they would be violated.”

But the governor said Whitman, New Jersey had the greatest self-assurance of the nation, weil”von years of control of Trenton.”

Michael Brown, pay approximately $ 5200 per year to ensure his car, his wife in the car and owning a car of her daughter 27 years.

”It is compatible with good drivers discounts,’’said Brown, 50, a college administrator, lives in a residential area of one and two houses of families outside Newark.

”This is not about tickets, no points, no accidents.”

Monday, the General Assembly, are expected to adopt a plan to lower auto insurance premiums. But because he lives in an urban environment, Mr. Brown would not benefit from this measure. Indeed, his account can go up to $ 3,000.

This is because the legislation would be a 1983 law, the State borders, what insurers can drivers living in urban areas as Irvington.

The bad news for Mr. Brown, however, is good news for motorists living in suburban and rural areas, by sponsors of the bill. They say 80% of motorists of the State would reduce their premiums.

Assembly Speaker Jack Collins, a Republican from rural Salem County, said savings by eliminating urban boundary, amounting to about 15 percent. He argued that unfair, suburban and rural drivers over pay, so that drivers in cities pay less.

”It is not rich towards the poor,’’said Collins. ”It is not vis-à-vis urban suburbs. It is not Republicans against Democrats. It is a question of fairness.”

Removing borders in the urban areas of premiums is the biggest change, that Mr. Collins suggested that auto insurance regulation, an overwhelming majority was approved two weeks ago by the Senate with the support bipartie. The law, the legislator said, rates of 15 percent for almost all drivers from New Jersey to reduce tax evasion and frivolen complaints.

With the promising total of 30 per cent in reductions for suburban residents, Mr. Collins, it politically difficult for the majority of the Assembly of legislators objections against the bill.

– Democrats are expected to support it, and a Democrat, Assemblyman Louis D. Green Forest Cherry Hill, declared itself ready, as co-sponsor.

Mr. Collins also has more complicated issues for the Senate president, Donald T. Dir DiFrancesco and Christine Todd Whitman, are also Republicans. You all agreed last fall to reduce the prices of voters had to alle”gut”Fahrer clearly in the polls, they are dissatisfied payment of auto insurance highest in the nation.

Mr. DiFrancesco never urban hats on the table, if the earlier version of the bill on car insurance by the Senate.

But now, the Senate, several legislators have said, it would be difficult to vote in the Assembly version, if it goes again to take account of their house because it’s another suburb components-15 percent savings.

New Jersey is one of only a handful of states, offering urban exemption for certain drivers of car insurance higher prices.

The premiums are generally higher in urban areas, because insurers say their losses are greater than in urban suburbs. Insurers say, when a driver is alive, is the most important factor in the definition, as many costs for auto insurance.

In Connecticut, the insurer must be across the state for losses of experience which, in addition to the driver ’s home address, when setting prices. In California, insurance companies are required to place greater emphasis on driving record, as well as those drivers lies in the recruitment of premiums. In New York, officials say insurance, there are no limits in urban space for motorists. Accordingly, pilots in Brooklyn pay the highest in the country.

A handful of large insurance companies, Allstate, were insists Mr. Collins plan, because it is them, what they wanted: the ability to issue urban residents, at their own expense, instead of a portion of these costs on the inhabitants of the suburbs. The current state law limited insurance premiums in cities of more than 135 percent of the national average, an insurer.

”We are pleased that the speakers to the conclusion that subsidies, which are unjust,’’said Edward Collins, a lobbyist for Allstate, this is not part of the high - Speakers.

What do Rod Grams, the right, the senator from Minnesota, never graduated from the university, Mitch McConnell, Kentucky Republican known for his fire breath of the party, Slade Gorton, the pragmatic, tend-to-the Conservative components of Washington State; Joseph I. Lieberman, the new style Democrat of Connecticut, and Daniel Patrick Moynihan, the Senate’s ranking of liberal intellectuals have in common? They are co-sponsors of the car Choice Reform Act, a law this week, so that motorists to give them the right to collect damages and legal für”Schmerz automatic Leiden”im accidents.

Why are these different policies Pack - not to mention Dir Christine Todd Whitman of New Jersey, Ross Perot, former Dir Michael S. Dukakis of Massachusetts, Steve Forbes and Mayor Rudolph W. Giuliani - key to the neck, for one thing the absence of care either Republican or Democratic, driving licence and draws the fire of the evaluation version old bull bar and the consumer movement?

One reason is efficiency. ”Why should people in car crashes not be able, without compensation and pay for a lawyer, suffering and often years of litigation?”Claimed Senator Lieberman.

But most importantly, it is money. No pressure of money, but $ 45 billion that the Joint Economic Committee of Congress estimates motorists could save each year as part of self-Choice Reform Act “agreed if they would agree to waive their rights to bring pain and suffering.

It offers”all means class tax cut,’’suggested Michael Horowitz, director of the Hudson Institute’s Project for Civil Justice Reform,”and would not increase the deficit by a nickel.”

The average premium automobile insurance ran up $ 757 for the year 1995, yet more than half in 1987. But those who need to offset most of the few get it. A 1991 survey by the RAND Corporation, the Institute of Civil Law that victims of auto accidents where damage from $ 25000 to $ 100000, on average, received about 50 cents of each dollar lost. The losses of more than $ 100000 allowances 9 cents on the dollar.

For decades, legal reformers’ answer to this perverse combination of high insurance premiums and insecurity for payments suffered a short-circuit the judicial authorities. To this end, it pressed, told not to go Fehler””Rechtsvorschriften ensure the swift of their own insurance companies and limiting access to justice those who were seriously injured.

But with the big exception of Michigan, non-guilt has not worked well because the injury suffered by lawyers have succeeded in eliminating the obstacles in the courts. Worse, the barriers have served as an incentive to pile up in the cooperative orthopedists chiropractor and show that the injuries were indeed difficult.

Most Americans grimacer capitalized and controls on auto insurance every six months. But many others, especially urban low-income motorists have reacted in a car without insurance.

Efforts to strengthen a no-fault - or, more radically, to eliminate incentives to bring the barrier Intangible all rights to compensation for pain and suffering - have again been struck by a powerful coalition of injury by consumers and lawyers defending the leadership of Ralph Nader. The injury suffered by lawyers motivation is obvious. Consumer groups, back from each stage of free access to justice as a step toward unbridled corporate power.

This is where automation Wahl””passt in The idea of Mr. Horowitz and Jeffrey O’Connell of the University of Virginia Law School, it would allow motorists the right to complain, as usual, insofar as they are willing to pay. But those who chose to drop this option would simply buy no-fault protection against economic losses from its own transport companies.

According to Allan Abrahamse and Stephen Carroll captain, the savings are breathtaking. In New York, for example, opting out of the game complain, the average driver $ 417 $ 1146 premium during the year 1997. Low-income New York, disproportionately live in urban areas with a high rate of litigation, reducing their premium income by 54 percent.

Motor insurance sharp rise in prices throughout the country, continue a five-year trend. In some countries, premiums for private vehicles are increasing faster than public opinion to protest vocal and sometimes dramatic.

Motor insurance sharp rise in prices throughout the country, continue a five-year trend. In some countries, premiums for private vehicles are increasing faster than public opinion to protest vocal and sometimes dramatic.

Why is it so expensive to insurance? For one thing, accidents increase, because people over miles, and it grows rapidly, particularly in countries which increases the speed limit of 55 miles per hour. In addition, the administrative costs of claims, medical expenses and clinics have spurted and thefts of automobiles jumped.

”It is a liability at this time,’’said Richard Thomas, chairman of the Corporation brokerage Richwood, an insurance brokerage with clients in New York. ”In case you have an accident, insurance companies never know what they ultimately pay.”

Premiums vary from state to state and company to company, given that the McCarran-Ferguson Act, insurance is not by the federal government.

In some countries, measures to avoid a strong rate through the strict regulation of automobile insurance rates. But if a company applies for an increase of the state and he is challenging, companies may be less willing to write new insurance in that state. It once again, certain forces of the driver responsible in the State of risk associated with the pool.

Pools of risk associated with country of insurance for those who can not get by private companies, usually because of bad driving record (including a surplus of traffic injuries), youth or ‘inexperience. Price for drivers in these pools are generally higher than those outside. An increase of 20% is seen

Automobile insurance part of the Government of the consumer price index advanced 8.3 percent in 1987, while the overall index increased by 3.7 per cent. This is the model of the four previous years, as automobile insurance moves twice as fast as overall prices.

Regarding the future, J. Robert Hunter, chairman of the National-Versicherungs-consumer organization in Alexandria, Va., said:”In sum, I expect that the premiums go up 20 percent this year.”

Prior to 1983 the price index has risen faster than the cost of automobile insurance, in part because costs for other components, such as oil and housing, have been increasingly so quickly. In the years since 1983 that the syringe in the cost of auto insurance began, there was the strengthening of economic activity in the USA which, in general rule of insurance with more demanding. Differences between states

There are differences in rates between States, but. For example, the average annual premium for private cars in Germany was $ 440.58 for the year 1986, after the last survey by AM Best Company, industry statistics. In New Jersey, the average premium of $ 603.55 was the highest in the country. In California, has averaged $ 568.20 in Massachusetts, $ 555.55. The average premium in New York was $ 522.06 $ 466.09 and Connecticut.

Is it fair to deny auto insurance for drivers of vehicles own radar detectors?

An insurer Geico, headquartered in Bethesda, Md.. But the Insurance Commissioner of Maryland, in March that Geico has failed to assert its dominance in this country.

The company said the driver with radar detectors are folded to circumvent controls police and thereby accelerate the greatest likelihood of accidents. The commissioner cited Maryland data show that drivers with the detectors are no more risk of accidents as a driver can not use them. But the fight is not over. Geico the Circuit Court in Baltimore. The Insurance Institute and the Highway Safety National Safety Council mandates records to support the insurance company’s position. Last month, is the court where the Maryland Insurance Division rehearing.

”This is a very limited detention,’’says the assistant insurance Deputy Commissioner, wrote the judgement against Geico and hear, the case is new. The official website of Thomas P. Raimondi, it is obliged to consider only new evidence presented by both security groups. The hearing will take place Nov 18 Geico pat is now the rule against radar detectors in all countries, with the exception of Maryland, said Gary Gertz, an assistant counsel for insurers in Washington. In Maryland, under a partial stay court decision of the Commissioner, the company can not deny that insurance for new applicants, own radar detectors. It can not denounce the policy of others.

The radar detectors legal stay in the USA, except Virginia, Connecticut and the District of Columbia.

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.

One morning last December, Martin Roth mountain was a big hole in the middle of his driving.

Confused, the value that nothing seemed lacking, he believed that his 1991 Ford Taurus, parked in Washington Heights, suffered a failure Hot-wiring. When he tested the ignition of the airbag symbol flashing, and when he knew what had happened.

“You do not steal anything in the car,” said Roth mountain, where the virgin elements: a mobile phone, radio, hockey equipment and avoid change. “They were looking for the airbag.

The cars are loaded with expensive accessories, thieves have specialized and crafty, fast outwitting both car owners and traders. And airbags, which can make hundreds of dollars on the black market, has become a coveted loot. They are easily removed, portable and sought verrufenen workshops that can benefit from installing the stolen part - in some cases in cars whose original bags were stolen.

While the trend has been noticed for the first time in cities like Detroit, Los Angeles and New York, authorities have said that, increasingly, representatives from the suburbs.

In late January, Airbag systems impressed thieves parked cars to 12 passages in East Meadow, LI car Connecticut at least six batches are affected in recent months, one of them losing 76 air bags in one night. Two traders have suffered County duchess of more than $ 75000 in damages, 44 airbags were stolen during the past month. Orange County at a Toyota dealership was twice in six weeks, 98 airbags lose its insurance and protection.

“I am so scared,” said Steve Jardine, the Director General in the concession contracts, John of his Toyota in New Hampton, NY “We are an hour and a half north of the city. We are not crime , Click here.

“We do not know what to do,” he added. “Do we hire a guard? Will I get dogs? Now, we can cars without airbags and maintain our thumb on the sidelines. ”

A new airbag in a store costs $ 450 to $ 1,200. A stolen one, can be bought on the black market for $ 200 to $ 600, police investigators indicate. Some insurance companies, think exchanged must be new, reimburse the full amount, and the workshop pocket the difference.

Although companies say they do not keep statistics on flights, accounts of police officers and hit its inhabitants are a growing problem. The assurance of the economy said that claims for airbag systems thefts have increased significantly over the past year with the first flight of reports appeared in 1992.

Fifty-two airbags cars were parked in the snatch Co-Op City Park houses in the Bronx in the Columbus Day weekend. In a barbed during the last summer, the criminal police in New York City discovered 102 stolen in 10 junkyards car airbags and workshops city.

“A few years ago, we have never seen,” said Jeremiah J. Smith, a staff of the National-Versicherungs-Crime Bureau in Washington. “This is new, and it develops.”

In part, the swindler himself the driving force behind the market by forcing people to adopt new airbags, after they were stolen. Indeed, the bags are not reusable, the driver of an airbag, car is in a frontal collision, you must use a new one. More than a quarter of cars on the road today equipped with an airbag, and 1998, they are the driver and front seat in all occupants of passenger cars.

“Unfortunately, this is one of those situations in which creates its own demand,” said Kim Hazel Baker, Senior Vice President of the Highway Loss Data Institute, Arlington, Va.

Suppliers are usually automatically and without scruples junkyards sending requests for a particular model of airbags, said Detective Tom Burke of the Division crimes car New York Police Department. A street thief The craft, junkyard, they can get - $ 20 or a vial of crack - and the junkyard sell to a post-Shop for $ 200 or more.

Alan Friedman, the owner of self-diagnosis of Brooklyn Center, said a junkyard unscrupulous most fair would be a request for an air bag with the following response: “We do not have it. Give me one day.

CONNECTICUT motorists before new decisions when purchasing automobile insurance and may lead to discover if they without insurance.

Auto Insurance Reform Act, which joined Jan 1, the non-coverage errors and change the way drivers uninsured-underinsured reports works. Regulations monitoring - and new penalties for - human beings, to terminate or not renew their auto insurance.

“Everyone must be trained to take decisions”, a Bridgeport lawyer, Dominick Esposito said. It is the Connecticut Trial Lawyers Association, which has pushed the passage of the legislation.

“People are sophisticated buyer,” The president of the Professional Liability Insurance Agents of Connecticut, Robert B. Gyle said. This organization lobbying for uninsured drivers on the road and batteries to eliminate or cumulatively, had no underinsured motorist coverage, but not eliminate the debt, he said. “There’s Confusion”

So far, there is confusion, “the director of the office of the insurance Automobile Club of Hartford, James Daniel, said. He cited the calls for more people still under the old style, which bought last year, but perplexed what to do when they renew this year.

Under the old law, each car sold in Connecticut insurance does not cover the debt. If you have been injured in an accident, your insurer pay your bills doctor (up to $ 5000) and lost wages (up to $ 200 per week). If another driver was in debt, we can try to additional payment from his insurer, as soon as the doctor had bills of $ 400. The figures in the entire 1970’s, has been widely recognized as unrealistic, for the 1990’s.

Under the new law, if you are injured in an accident caused by another driver, you are looking for payment, that the driver insurer. If you have an accident, you can use your own health insurance to pay for your medical care. “More than a fair Shake ‘

The Connecticut Citizen Action Group strongly supports the legislation. “This gives consumers more than a fair shake,” the group lobbyist, Gregg Haddad said. “People can choose to retain coverage of the coverage of other they have thought about it.

“Ninety percent of the population of the State disability or medical insurance,” he said, so that the error was not binding because many motorists pay for the double handy.

But if you do not have health insurance? “They are not lucky,” said Daniel. Some like to buy basic medical research optional or not errors of coverage by their insurer. But the options of each insurer, consumers must choose carefully.

An insurance agent in the Atlantic Ocean in Waterford, David Shippee, citing the many customers who tell him: “Call me what I have to have.” This from work, or down jobs, without payment of health insurance are more likely to buy only what is needed - and without medical care or inability to work after an accident.

Insurance supports over the economy, updating no-fault legislation. The National Insurance Commissioner, Robert R. Googins, favored the legislation of each offer consumers a choice between no-fault insurance and timetables for reform “simple offence” variety, with all claims as part of a costume or negotiations. New Options

The new law also replaces batteries with new opportunities. Sub batteries if you bought a value of $ 300000 by uninsured underinsured motorist coverage in each of two cars, you can get a resolution of $ 600000, if you were injured by an uninsured driver (and his injuries justified the amount). If the other driver was underinsured - if he or she will take place only the minimum of an accident at $ 40000 required by law - it is possible to collect $ 40000 from the driver’s seat beside insurance $ 600000 of its own (if your injury justified supplement).

People with a car could not stack, but that those containing more than one car made out of habit.

Now standard insurance limits of the driver, the largest individual coverage. If you have coverage of $ 300000 each of the two cars, and you are injured by an uninsured driver, you can not set more than 300000 dollars from your insurance company.