2013 Uninsured Motorist Changes

One of the biggest problems on the road today is drivers who are not carrying liability protection.  In most states this form of coverage is required in order to legally drive.  What happens in many states is motorist will operate an automobile with no insurance.  This is validated by the high amounts of uninsured motorist that some states approaches 30% of the drivers.   This situation creates a large problem in that state laws are not being upheld and there is a greater responsibility placed on the driver who is holding insurance.   This is one of the areas that state insurance offices need to focus on to enforce the laws they put in place.  Below are some examples in 2013 of how the states of Alabama and Montana are looking to make improvements with the way insurance is enforced.

Uninsured in Alabama

Starting in January 2013 the state of Alabama will be looking to enforce the states mandatory laws of carrying insurance coverage.  This will be possible from the Alabama revenue department’s ability to utilize an online system that can verify if a motorist is holding insurance coverage.   More importantly, this system will be available to the state police and agency officials.  This is a great step in enforcing that each driver is carrying insurance.  To see the coverage levels needed visit our overview on Alabama insurance.  With the advancement of technology, it should be reachable for most state agencies to implement a system where they can easily validate that insurance is being covered.

Uninsured in Montana

The state of Montana made a change in their laws, about 4-5 years ago, calling for the implementation that verifies drivers are carrying car insurance.  This electronic system is aimed in assisting that coverage is line with what is legally required to drive in the state of Montana The way Montana operates is the insured is to provide data to department of motor vehicles on the coverage in place from a Montana driver.  The information in the system is then made available to police officers.  This is an important step forward that should help enforce the laws within the state of Montana.

Insurance Regulation Improvements

The above improvements being made in Montana and Alabama are couple of examples of state insurance agencies can monitor and regulate the laws they have in place.  By successfully doing this, it should also aid in implementing new laws more easily.  An example can be seen where there is a lack of regulation and the uninsured rates get to high levels.  In these situations it will be easier to get away with breaking the laws in place and drivers will not make the effort they should in following the rules of the road.  For those agencies enforcing the laws, motorist will see that they can be easily penalized for not carrying insurance.

Technology as the Great Equalizer

As we adopt technology more and more on a daily basis it will be become even easier to make strides to enforcing the insurance laws.   Since the state insurance office are responsible for setting the guidelines all companies must follow, these agencies should be proactive in making sure the laws are enforced.  An easy way to do this is make use of an electronic system where all new policies need to be entered by the insurance company issuing the policy.  This allow there to be a data base that holds records for everyone carrying insurance.  The state agency should be accountable to make sure this date base is efficient and can be used by all government agencies enforcing the laws.  Along with this the state insurance office needs to set and uphold penalties for not abiding by the rules of the road.

This entry was posted in Uncategorized. Bookmark the permalink.