Iowa House Panel OKs Auto Insurance Tracking Bill

Individuals in Iowa with outdated auto insurance would be monitored by a private business for compliance beneath a bill authorized by a Property panel.

Members of a Techniques and Implies subcommittee authorized the bill prior to sending it to a full committee for consideration. The bill would then be obtainable for debate in the House.

The legislation would allow the state Division of Transportation to employ a third party to maintain a database of motor automobile insurance information. The designated company, which would be awarded the job through a bidding approach, would then be permitted to contact a individual if records show he or she has outdated insurance data.

The Commerce Committee in the Residence has currently approved the measure. Rep. Guy Vander Linden, R-Oskaloosa and a member of the Methods and Signifies subcommittee, mentioned he expects it to pass out of the complete House.

Folks with outdated insurance coverage details will have a window of time to reply to the business. If he or she fails to provide up-to-date vehicle insurance information on time, his or her motor vehicle registration will be revoked. The person would then want to get new registration for the car and spend a $ 25 administrative fee. That charge will be utilized to aid pay for the database program, as effectively as the road use tax fund if there’s further income.

The legislation would require insurers to supply their records to the organization each and every month or face a civil penalty of $ 250 per day.

Supporters stated the legislation would reduced situations of folks driving without having auto insurance coverage. Lobbyists for many insurance groups said the bill could generate a database that incorrectly flags men and women with auto insurance. The insurers also face liability troubles if there’s a database breach.

“All the information that can float around in this database is of wonderful concern,” stated Bob Skow with the Independent Insurance coverage Agents of Iowa.

Christopher Rants is a lobbyist for Insure-Rite, a Utah-based business that maintains such databases for states which includes Texas and West Virginia. The organization introduced the legislation, but Rants stated it would have to go by means of the bidding approach to safe a contract with the state. Rants mentioned the organization is open to ideas from the insurance business on ways to make the bill stronger.

“We’re pleased to work with them. Our purpose is to place with each other a workable program to reduce the number of uninsured motorists in this state,” he stated.

If passed, the bill would go into impact at the start off of July 2016.

Copyright 2015 Linked Press. All rights reserved. This material may possibly not be published, broadcast, rewritten or redistributed.

Iowa House Panel OKs Auto Insurance Tracking Bill

Iowa Property Panel OKs Automobile Insurance coverage Tracking Bill

People in Iowa with outdated car insurance would be monitored by a private company for compliance under a bill approved by a House panel.

Members of a Ways and Means subcommittee approved the bill before sending it to a full committee for consideration. The bill would then be available for debate in the House.

The legislation would allow the state Department of Transportation to hire a third party to maintain a database of motor vehicle insurance information. The designated company, which would be awarded the job through a bidding process, would then be allowed to contact a person if records show he or she has outdated insurance information.

The Commerce Committee in the House has already approved the measure. Rep. Guy Vander Linden, R-Oskaloosa and a member of the Ways and Means subcommittee, said he expects it to pass out of the full House.

People with outdated insurance information will have a window of time to reply to the company. If he or she fails to provide up-to-date car insurance information on time, his or her motor vehicle registration will be revoked. The person would then need to get new registration for the car and pay a $ 100 administrative fee. That fee will be used to help pay for the database program, as well as the road use tax fund if there’s extra money.

The legislation would require insurers to provide their records to the company each month or face a civil penalty of $ 250 per day.

Supporters said the legislation would lower cases of people driving without car insurance. Lobbyists for several insurance groups said the bill could create a database that incorrectly flags people with car insurance. The insurers also face liability issues if there’s a database breach.

“All the information that can float around in this database is of great concern,” said Bob Skow with the Independent Insurance Agents of Iowa.

Christopher Rants is a lobbyist for Insure-Rite, a Utah-based company that maintains such databases for states including Texas and West Virginia. The company introduced the legislation, but Rants said it would have to go through the bidding process to secure a contract with the state. Rants said the company is open to suggestions from the insurance industry on ways to make the bill stronger.

“We’re happy to work with them. Our goal is to put together a workable system to reduce the number of uninsured motorists in this state,” he said.

If passed, the bill would go into effect at the start of July 2016.

Copyright 2015 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Iowa Property Panel OKs Automobile Insurance coverage Tracking Bill

Iowa Property Panel OKs Auto Insurance Tracking Bill

Individuals in Iowa with outdated vehicle insurance would be monitored by a private firm for compliance beneath a bill approved by a Home panel.

Members of a Approaches and Implies subcommittee authorized the bill prior to sending it to a full committee for consideration. The bill would then be obtainable for debate in the Property.

The legislation would enable the state Department of Transportation to employ a third party to sustain a database of motor automobile insurance coverage details. The designated organization, which would be awarded the job by way of a bidding method, would then be permitted to speak to a particular person if records show he or she has outdated insurance data.

The Commerce Committee in the Home has currently approved the measure. Rep. Guy Vander Linden, R-Oskaloosa and a member of the Techniques and Means subcommittee, said he expects it to pass out of the complete Home.

Men and women with outdated insurance data will have a window of time to reply to the firm. If he or she fails to supply up-to-date auto insurance data on time, his or her motor vehicle registration will be revoked. The particular person would then want to get new registration for the vehicle and pay a $ 25 administrative fee. That charge will be used to aid pay for the database plan, as nicely as the road use tax fund if there’s added money.

The legislation would demand insurers to supply their records to the business each and every month or face a civil penalty of $ 250 per day.

Supporters mentioned the legislation would reduced instances of men and women driving without having car insurance coverage. Lobbyists for several insurance coverage groups said the bill could generate a database that incorrectly flags people with automobile insurance. The insurers also face liability troubles if there’s a database breach.

“All the details that can float around in this database is of excellent concern,” stated Bob Skow with the Independent Insurance coverage Agents of Iowa.

Christopher Rants is a lobbyist for Insure-Rite, a Utah-based company that maintains such databases for states such as Texas and West Virginia. The business introduced the legislation, but Rants mentioned it would have to go by means of the bidding method to secure a contract with the state. Rants stated the organization is open to suggestions from the insurance industry on ways to make the bill stronger.

“We’re pleased to perform with them. Our objective is to put together a workable system to lessen the number of uninsured motorists in this state,” he mentioned.

If passed, the bill would go into effect at the start of July 2016.

Copyright 2015 Related Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Iowa Property Panel OKs Auto Insurance Tracking Bill

Iowa Home Panel OKs Automobile Insurance coverage Tracking Bill

People in Iowa with outdated car insurance would be monitored by a private company for compliance under a bill approved by a House panel.

Members of a Ways and Means subcommittee approved the bill before sending it to a full committee for consideration. The bill would then be available for debate in the House.

The legislation would allow the state Department of Transportation to hire a third party to maintain a database of motor vehicle insurance information. The designated company, which would be awarded the job through a bidding process, would then be allowed to contact a person if records show he or she has outdated insurance information.

The Commerce Committee in the House has already approved the measure. Rep. Guy Vander Linden, R-Oskaloosa and a member of the Ways and Means subcommittee, said he expects it to pass out of the full House.

People with outdated insurance information will have a window of time to reply to the company. If he or she fails to provide up-to-date car insurance information on time, his or her motor vehicle registration will be revoked. The person would then need to get new registration for the car and pay a $ 100 administrative fee. That fee will be used to help pay for the database program, as well as the road use tax fund if there’s extra money.

The legislation would require insurers to provide their records to the company each month or face a civil penalty of $ 250 per day.

Supporters said the legislation would lower cases of people driving without car insurance. Lobbyists for several insurance groups said the bill could create a database that incorrectly flags people with car insurance. The insurers also face liability issues if there’s a database breach.

“All the information that can float around in this database is of great concern,” said Bob Skow with the Independent Insurance Agents of Iowa.

Christopher Rants is a lobbyist for Insure-Rite, a Utah-based company that maintains such databases for states including Texas and West Virginia. The company introduced the legislation, but Rants said it would have to go through the bidding process to secure a contract with the state. Rants said the company is open to suggestions from the insurance industry on ways to make the bill stronger.

“We’re happy to work with them. Our goal is to put together a workable system to reduce the number of uninsured motorists in this state,” he said.

If passed, the bill would go into effect at the start of July 2016.

Copyright 2015 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Iowa Home Panel OKs Automobile Insurance coverage Tracking Bill

N.J. Assembly Delays Vote on ‘Electronic’ Auto Insurance coverage Bill

The New Jersey Assembly has delayed a vote on a measure that would enable drivers in New Jersey to use intelligent phones, computers or tablets to prove they carry auto insurance in the course of traffic stops.

The bill was due to be voted on Monday, but it was pulled from the agenda with no explanation.

The bill would authorize drivers to use an electronic form of their vehicle insurance coverage coverage. That means motorists will not necessarily have to carry a paper copy to prove they are covered.

The measure also states that the use of an electronic format does not imply the user consents to a police search of the device.

Drivers must now supply proof of insurance in paper form. The bill would permit them to use either paper or electronic formats.

Connected Articles:
Electronic Proof of Auto Insurance coverage Now Accepted in Delaware
South Carolina Becomes 31st State to Let Digital Proof of Insurance coverage
Florida Joins States Allowing Electronic Proof of Auto Insurance coverage

Copyright 2014 Linked Press. All rights reserved. This material might not be published, broadcast, rewritten or redistributed.

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N.J. Assembly Delays Vote on ‘Electronic’ Auto Insurance coverage Bill

New Jersey Bill Seeks to Crack Down on Reverse Price Evasion

The New Jersey Assembly passed a measure that would make reverse price evasion an insurance coverage fraud and give for civil and criminal penalties. The bill, A 2281, passed the state’s Assembly on Monday and is pending in the state Senate.

This bill includes “reverse rate evasion” as a form of insurance coverage fraud that violates the “New Jersey Insurance coverage Fraud Prevention Act,” P.L.1983, c.320 (C.17:33A-1 et seq.) and the criminal statutes that define the crime of insurance coverage fraud.

Reverse rate evasion happens when New Jersey residents fraudulently receive automobile insurance coverage in yet another state even even though New Jersey is their principal residence or they principally garage the insured vehicle in New Jersey.

The bill includes reverse rate evasion as a crime of insurance coverage fraud and makes it a crime of the 4th degree. The bill specifies that reverse price evasion constitutes a violation of the New Jersey Insurance Fraud Prevention Act, and that the numerous civil penalties and remedies provided for in that act apply.

The bill’s reverse rate evasion provisions would not apply to a particular person who insures a vehicle in one more state if permitted by and in accordance with the laws of that state, based on a second residence or attendance at an educational institution in that other state, if in getting that insurance policy the person truthfully discloses to the insurer or producer the state of the person’s principal residence and the state exactly where the vehicle is principally garaged.

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New Jersey Bill Seeks to Crack Down on Reverse Price Evasion

Abolition of vehicle tax disc lands motorists with £38m bill

Motoring organisations say that new guidelines on tax refunds when cars are sold privately will generate a substantial windfall for the DVLA – at our expense.

Motoring organisations say that new guidelines on tax refunds when vehicles are sold privately will create a substantial windfall for the DVLA – at our expense.

Drivers will drop out to the tune of millions of pounds a year as a result of the abolition of automobile tax discs, motoring organisations claim.

This is due to new rules on what happens when automobiles are purchased and sold privately.

Tax no longer transferred

At present, when a auto is sold from one person to yet another, the purchaser advantages from any tax – or vehicle excise duty (VED) – remaining on the car.

But the new program obliges the purchaser to arrange their own tax to apply from the start off of the month the purchase is produced.

Sellers, meanwhile, will get a refund only for any full calendar months of unused tax.

This indicates that on the vast majority of private sales, the DVLA will successfully be collecting tax twice for the month in which they take place.

The RAC estimates that this could cost motorists as considerably as £38 million a year.

‘Law-abiding motorists penalised’;

The RAC has primarily based this on 2.73 million annual private sales, and an average monthly automobile-tax figure of £14.

RAC chief engineer David Bizley stated: “It appears extremely harsh that law-abiding motorists are the ones being penalised beneath the new rules.

“Although the typical quantity of monthly automobile tax is not that excellent it nevertheless appears incorrect that motorists should drop out and the DVLA need to benefit.

“Certainly in the 21st century we have the technologies to operate out the alter of ownership to a specific date and then calculate the exact refund and new tax to the day, meaning that motorists don’t drop out and the DVLA receives the correct amount of tax, and no a lot more.”

Both sides lose out

If a vehicle which is taxed until the finish of the year is sold on the 15th of the November, say, the seller will get a refund of just one month.

The 15 days of tax the seller has paid to cover the rest of November will be lost.

At the identical time, the buyer will have to tax the automobile from the begin of November – tax can not commence mid-month – which implies they will also spend for 15 days’ unnecessary tax.

Bizley added: “Inevitably, the DVLA will claim that they have to carry out added administration in order to refund unused tax to sellers, but certainly this does not equate to £38 million a year.”

‘Computer systems can not cope’;

Paul Watters, head of roads policy at the AA, said his organisation had warned ministers of this concern.

“Sadly the DVLA’s computer systems can only deal with tax that starts at the starting of the month,” Watters said.

He added that a lack of physical proof that a auto was taxed could produce further issues.

“If I drive an individual else’s auto and they say it is taxed, how can I be sure?” he said.

This could apply to hire automobiles or courtesy vehicles from garages, Watters added.

Prospective £50 fines

Motorists face a fixed-penalty notice of £50 if they are caught driving an untaxed auto, no matter whether they realise it or not.

The DVLA’s current alterations imply that any driver who taxes a vehicle following 1 October 2014 will not get a disc to show in its windscreen.

Tax records are now held solely online by the DVLA, and it is no longer an offence not to show a disc, even for vehicles taxed just before 1 October.

The DVLA stated it anticipated the abolition of the paper disc and reduction in attendant postage and administration costs to save around £10 million a year.

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Abolition of vehicle tax disc lands motorists with £38m bill

Ridesharing Bill Cruising Through California Legislature

A bill to more thoroughly regulate insurance requirements for ridesharing companies is successfully wending its way through California Legislature as insurance associations and representatives for companies like Uber and Lyft try and hash out an uncertain middle ground.

The Senate Energy, Utilities and Communications Committee passed Assembly Bill 2293 on a 7-0 vote on Tuesday. The bill, being carried by Assemblywoman Susan Bonilla, D-Concord, is backed by several insurance associations.

AB 2293 has already been approved by the California State Assembly on a 71-0 vote. It addresses a gap in insurance coverage between when a ridesharing provider’s personal auto insurance is in effect and when a transportation ne2rk company’s commercial insurance kicks in.

The Property Casualty Insurers Association of America, the Personal Insurance Federation of California, the American Insurance Association, the National Association of Mutual Insurance Companies and a few other associations have argued that anytime a ridesharing provider has open a smartphone app and is ready to accept rides that a TNC’s commercial coverage should be in play.

TNC operators have agreed in California to provide $ 1 million in commercial coverage for whenever a ridesharing driver has a ride. The TNCs have offered various solutions to the gap, but haven’t agreed to provide commercial coverage during the period insurers have pushed for.

The California Public Utilities Commission recently proposed to have its existing $ 1 million coverage requirement extended to all 3 periods of TNC service – when a smartphone app is on and when a driver is looking for a ride, when there’s a match and a driver is on the way to pick up a ride and when a driver has a ride. CPUC also is encouraging insurers to speed up the development of TNC insurance products.

California Insurance Commissioner Dave Jones has backed the CPUC recommendation, calling for the insurance burden to be put on TNCs.

TNCs have argued that requiring $ 1 million coverage for the period when drivers have their app on but no match will kill their business model, as well as scare off insurance companies currently developing TNC products.

AB 2293 would:

• Require TNCs to disclose to drivers upfront that their personal insurance may not apply when engaging in commercial TNC activities.


• Define that TNC activities begins once the app is turned on and the TNC services end when the app is turned off.


• Clarify that TNC insurance is primary coverage.


• Require TNC’s liability insurance to defend and indemnify their drivers when they have a claim or accident.

Uber and Lyft proposed amendments including lowering the amount of coverage during the period when a driver has the app on but no match has been accepted – 50/100/30 has been proposed – and require that TNC insurance have the duty to defend and indemnify from app-on to app-off.

Spokespersons for Sidecar were not immediately available for comment.

Lyft spokesperson Paige Thelen provided the following company on behalf of the company:

“Lyft has set the highest standard in safety, as demonstrated by our $ 1,000,000 commercial liability coverage that is more than 3 times the $ 300,000 requirement for Los Angeles taxis. Today’s hearing demonstrated that there is no clear consensus about how to best determine appropriate levels of insurance for ridesharing, and we will continue working with legislators to ensure that consumers, drivers and passengers have the ability to access safe rides from the Lyft community.”

Uber also had a statement:

“We appreciate Senator Padilla’s and the Committee’s leadership today; They have clearly listened to California consumers and entrepreneurs and agreed to amendments to AB 2293(Bonilla) that reflect the unique nature of ridesharing while affirming our shared commitment to safety.  This is a positive step in the right direction and we look forward to continuing to work with the Senate.”

Beside its primary objective of increasing regulation on TNC’s insurance coverage, AB 2293 encourages the development of more insurance products for TNCs. An amendment was suggested in which the proponents off the bill consider fast tracking those products, and its author agreed to that.

Otherwise the primary sticking point has been over the gap, and the chair of the committee directed insurers and TNCs to continue looking for a middle ground.

“The chair wants us to continue negotiating,” said Nicole Mahrt Ganley.

Also in the negotiations are trial lawyers, now strange bedfellows with insurers in their battle for greater insurance coverage.

“We both think there should be adequate coverage appropriate to the activity,” Ganley said.

When asked just what middle ground can be found in the battle over this insurance gap isn’t clear, Ganley couldn’t any possibilities.

“I don’t have an answer to that question,” Ganley said.

AB 2293 will next be heard by in the Senate Insurance Committee on June 25.

Ridesharing Bill Cruising Through California Legislature