Relay-Version: version B 2.10 5/3/83; site utzoo.UUCP Posting-Version: version B 2.10.3 Unisoft-Cosmos; site micropro.UUCP Path: utzoo!watmath!clyde!burl!ulysses!allegra!mit-eddie!think!harvard!seismo!lll-crg!well!micropro!edg 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 -- UUCP: {hplabs,dual,ptsfa}!well!micropro!edg