One in twenty cars on the road are being driven uninsured and a third of all drivers have at one time or another driven without insurance. And it’s a fact that uninsured drivers cause more accidents and are more likely to be involved in criminal activity than insured drivers.
So what are the facts?
• 10% of drivers have had an accident involving an uninsured driver.
• 13% of young drivers believe that driving without insurance doesn’t harm anyone and therefore it’s acceptable.
• Last year the Motor Insurance Bureau paid out £500 million to parties injured by uninsured motorists. This money has to be paid by someone – inevitably it has to be paid out of the premiums of honest motorists. In fact, each insured driver is paying between £30 and £60 within their annual premium to cover the insurance industry’s costs associated with these uninsured drivers
•Around 17% of uninsured drivers are convicted each year.
People who drive without insurance are:
• up to ten times more likely to be involved in an accident.
• six times more likely to drive a vehicle that is non road-worthy.
• Considerably more likely to be involved in a hit and run accident
• four times more likely to be convicted of driving without due care and attention
• eleven times more likely to be convicted of a drink driving offence.
We believe that the Police must crack down on uninsured drivers. There is clearly an important role for Automatic Number Plate Recognition Cameras to assist Police target uninsured drivers. And more traffic police must be present on our roads to act as a visual deterrent.
We also support the police powers which allow them to seize and in some cases destroy vehicles that are being driven without insurance.
We also want to see court sentencing tact as a real deterrent to uninsured driving. When drivers do get stopped for being uninsured, many gamble that they’ll be given a modest fine of around £200 which for many is a fraction of the annual premium they’d have to pay. If offenders can’t afford to pay fines (and many will argue just that), then other appropriate sanctions such as community service must be imposed.
Premiums for younger drivers can be very costly and this effectively prices them out of the market. The problem is that this doesn’t prevent them from driving – so they become one of the one in twenty that drive around uninsured. We would like to see more effort from some insurance companies to attract younger drivers and make their policies affordable for younger drivers. For example, pay as you drive schemes for low mileage drivers and drivers on low incomes.
We also support initiatives such as Pass Plus and Max Driver, with more generous discounts for younger drivers who take extra driver training.
So in summary, we are calling for:
• Higher rates of prosecution for uninsured drivers and appropriate sentences to act as a deterrent.
• Greater use of technology, to help catch them. For example, use the Automatic Number Plate Recognition cameras to catch them red handed.
• More visible police presence
• More initiatives from the insurance industry to encourage young drivers to pay for car insurance.
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Filed under Finances by on Dec 4th, 2008. Comment. 
The annual cost of U.S. car insurance will vary according to insurance to the next, so you need to shop around if you want to make sure that you always have the best offer. Information about the American car insurance is available both online and through insurance agents and each state insurance department. Consumer magazines and rating agencies also offer insurance in the United States.
American car insurance is to protect the person who is insured against financial loss resulting from an accident. A comparison of the various providers, it is important to choose a company that is financially stable. This can be achieved by using companies like AM Best and Standard & Poor’s.
To ensure the best price for your car insurance you are requesting bids from several companies. It is a good idea to check with various types of insurance. Some companies sell through their own offices, while others sell through independent agents provide coverage for many insurance companies. Other companies sell directly to consumers over the telephone or via the Internet.
When comparing the American car insurance, the price is not the only determining factor to consider. Stability and services should also be reflected in your decision. Start your search by using the recommendations of friends, family and colleagues. Once you have a list, contact your state insurance department to see whether they have received complaints from consumers for one of these companies.
If you buy a car, look in the insurance, before you make your decision. Insurance premiums are partly based on the value of the car, safety rating, the potential repair costs, and the risk of theft on the basis of statistics for each brand and model. Also check to see whether the providers offer discounts for features that reduce the risk of theft or damage.
Here is a list of additional options you may be able to cover the costs of the U.S. automobile insurance:
Request higher deductibles (what you pay for the insurance kick in). Be sure that money set aside if you ultimately need.
Consider dropping collision and / or comprehensive insurance for older vehicles that are not worth much more. They usually the owner of the vehicle free and clear to do so.
If you have two or more types of insurance (as tenants or homeowners insurance) from the same company you a discount.
Maintaining a good credit record. Many insurers use credit information in part to determine the premiums for motor insurance policy.
Some companies offer discounts to people who drive less than the average miles or car-pool to work.
Some insurers offer discounts through group plans with employers, professional associations, business and alumni groups or other organizations.
Policyholders who are not accidents or moving violations for a long time, often get discounts.
Young drivers are good numbers and training drivers are often eligible for a discount.
Young drivers on the college from the area without a car, you can also apply a lower premium.
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Filed under Finances by on Nov 18th, 2008. Comment.
When it comes to car insurance, there are so many different insurances, it is sometimes a little overwhelming. Each company claims to offer the lowest premiums and excellent customer service, but in fact that really works? If you want to search on Google, press “auto insurance”, you would find several insurance companies. You’ll notice some of the names, and others you have never heard in your life. Where do you find the best, focusing on motor insurance? This article was designed to give you some perspective on some of the most reliable companies, insurance companies offer a great deal.
Allstate:
If a driver has a clean record for a while, this is a good choice. Allstate is certainly not for the newer drivers, but also for the established value. The difference between Allstate and Geico say, is that your credit score in the big test. Allstate offers great offers, discounts, especially if you insure multiple lines with them. As already mentioned, if you have a good reputation in your journey and record your crdit, Allstate is certainly a great option to choose.
Nationwide:
This is an insurance company, bicycles, the various types of insurance. It was a long time and knows how to take care of its customers. They offer a variety of auto insurance discounts. If you visit their site, you’ll see a very bright, clean layout that answers many car owners’ needs. Another nice feature of this company is that they are forgiven. You have an accident forgiveness program, which is really unique to their company. They are also understanding for teenage drivers. If you can not as Nationwide, are invited to submit a bid.
Geico:
It is a safe bet to say that everyone has something of the insurer Geico. It is hard not to miss their humorous advertising on television, radio and the Internet. They are virtually everywhere! This is because Geico is a healthy company. Not only has it for a cheap price, they have an excellent customer service. Personally, I have my two vehicles insured Geico and have never been a problem. I decided to enter the Geico after the conversation with a few people. At that time I had Progressive (an insurer strong that I do not recommend). They informed me I was too much to pay for my car insurance, so I have a quote from Geico. And just like the commercial said, I save 102.00 U.S. dollars per month on car insurance. Talking about a big difference!
It is important to provide the best insurance that best suits your specific needs. The insurance company you’re recording, will vary according to your specific, such as a new driver, several cars, driving record, credit history and much more. Remember, it’s important to shop around for car insurance. It costs nothing for a price quote and most citations are active for at least 15 days after purchase. In these times, but a necessity.
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Filed under Finances by on Nov 18th, 2008. Comment.
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