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From: edg@micropro.UUCP (Ed Greenberg)
Newsgroups: net.legal,net.auto
Subject: Re: Uninsured motorism
Message-ID: <148@micropro.UUCP>
Date: Tue, 20-Aug-85 03:47:23 EDT
Article-I.D.: micropro.148
Posted: Tue Aug 20 03:47:23 1985
Date-Received: Sat, 24-Aug-85 00:55:41 EDT
References: <202@SCIRTP.UUCP> <378@kontron.UUCP> <586@ttidcc.UUCP> <748@lsuc.UUCP> <239@mb2c.UUCP>
Distribution: net
Organization: MicroPro Int'l Corp., San Rafael, CA
Lines: 39
Xref: watmath net.legal:2134 net.auto:7750
Summary: insurance requirements in CA and NY

In article <239@mb2c.UUCP>, megjpm@mb2c.UUCP (John Macks) writes:
> 
> In Michigan, all car owners are required by law to maintain liability coverage.
> In order to get your annual license plate tabs, you must provide proof of 
> insurance.  I believe auto insurance is mandatory in many other states.  This
> does not eliminate the problem of uninsured motorists, since they can still 
> obtain proof of insurance by paying the first installment on the policy at
> the time of license plate renewal, and then simply not pay the remaining 
> insurance payments and thereby let the policy lapse.  Thus, insurers still
> offer uninsured motorist coverage in Michigan, at a very modest additional 
> premium.

In New York, the motorist is required to (a) submit proof of insurance
to the DMV when registering the car and then (b) carry that proof in
the vehicle and show it to the police on demand.  

Further, if the insurance co. cancels you for non payment, they notify
DMV who (a) cancels your registration and (b) notifies you that you must
surrender your plates.  Even further, you cannot cancel your insurance
voluntarily without sending the insurance company a copy of the receipt
for your plates (or other rigamarole like insuring a new car with the
same plates at the same time.)

		-compare this with California-

where, (a) you must certify that you have insurance after you have an
accident, and (b) you must give the policeman your policy number (from
memory, an official form, the back of your registration, a banana skin,
or wherever you have it.)

By the way, both New York and California insurers offer protection
against uninsured motorists and it's very inexpensive in both cases.

Hearing the horror stories on the net, I come to appreciate the
strictness of the New York law.
			-e
-- 

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