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From: nrh@lzwi.UUCP (N.R.HASLOCK)
Newsgroups: net.auto,net.legal
Subject: re: uninsured motorists
Message-ID: <253@lzwi.UUCP>
Date: Wed, 21-Aug-85 11:29:56 EDT
Article-I.D.: lzwi.253
Posted: Wed Aug 21 11:29:56 1985
Date-Received: Thu, 22-Aug-85 08:40:36 EDT
References: <586@leadsv.UUCP>
Distribution: na
Organization: AT&T Information Systems, Lincroft
Lines: 40
Summary: Swiss Technique

[mmm...munchies and crunchies in here somewhere...CHOMP]
> 
> > Which suggests that, in jurisdictions where motorists are allowed
> > not to have insurance (that's most of them in North America, isn't it?),
> > insurance companies should sell policies that protect you not only
> > against your own liability but also against that of the uninsured
> > driver who runs into you.
> 
> I don't understand why they can't just require you to provide the DMV with
> proof of insurance every time you register your car (yearly here in CA).
> No insurance, no registration...pretty simple.  Can somebody explain to me
> why this is so impossible to do?
> 
This is more or less what the Swiss do. Liability Insurance is for
the vehicle with ANY driver. Collision and other add ons may be
restricted to reduce premiums but liability is required to be for
whoever happens to be behind the wheel at the time.

As happens here the owner get sent a bill for registration renewal.
If he does not pay up within the specified time, the state police
come around to remove the tags from the vehicle. Vehicles seen on
the highway without tags are immediately impounded and the owners
are severely fined. The driver is also fined if he or she is not the
owner.

There are one or two holes in this system but in general it works.
It could be made to work here too. Just think, the first state to
implement such a system could hold the state goverment of any other
state responsible for any vehicles it registered which were being
used without insurance.
-- 
--
{ihnp4|vax135|allegra}!lznv!nrh
	Nigel		The Mad Englishman or
			The Madly Maundering Mumbler in the Wildernesses

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