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Originally Posted by Bubba It takes insurance to get a car registered and license plates issued. Why can't insurance companies be required to send law enforcement a list of cancelled insurance policies and addresses. Then the officer can do a drive by and see if the licensed car is still at that address, if so watch for it to be driven by increasing the amount of neighborhood patrolling. It moves and boom! Catch somebody for driving with no insurance. Might even bring insurance rates down by not having so many uninsured motorist claims. |
Hi, Bubba - sorry I haven't chimed in, I've been out of town. As a matter of fact, insurance companies are required by law to notify insureds, lienholders and law enforcement (state of registration) if a policy is cancelled or lapses.
The problem as I see it, is it passes a huge law enforcement burden to a service industry. The problem from your perspective is that it takes the state a full 60 days or more to recognize there's no coverage. So they send a letter to the taxpayer/insured. Well, if you don't have insurance and you KNOW you don't have insurance, are you really going to respond to the letter?
I wonder what kind of burden this would add to an already overtaxed police force - chasing down non-insured residents, only to find out that some DO have insurance but the company report hasn't been fully registered yet with law enforcement - and those that DON'T are going to 'disappear'.
You have to have it to register your car. If it cancels the next day, nobody's the wiser. The biggest problem with almost any solution we can come up with, is that it won't be a country-wide solution and there's always somebody that's registered in another state that will skirt the law.
