South Dakota Insurance

The house on the left today to 10 days leave spring without a vote on billions of dollars in disaster relief for floods have destroyed areas of California to Minnesota.

Last-Graben efforts Speaker Newt Gingrich and Senator from Georgia, Mississippi Trent Lott, Majority Leader, and his lieutenants edge to a set Patch slimmed-down aid not win unanimous agreement in the House of Representatives and the Senate to use this approach.

As some Democrats Republicans denounced the States concerned of the house Republican guide for members of the house without permission, some or all of the $ 5.5 billion of emergency assistance and compared the extent of supplement the Government in 1995. The Senate in plenary on Friday, but without driving licences house negotiation, no agreement can be reached by aid.

”The same quantity arrested irresponsible, now that the government stop disaster,’’said L. Senator Byron Dorgan, Democrat of North Dakota, one of the countries most affected by the floods.

What is emergency assistance to disaster help take care of 35 countries were in the past few days, with dozens of provisions independent. Established by the legislature of these animals of their programmes and policy initiatives on the bill knowing it was legislation must happen.

R. Representatives John Thune, Republican of South Dakota, said:”We have a big mistake during the implementation of policies and processes of man.”

David R. Representatives Obey, Democrat of Wisconsin, said:”We are in chaos. Congress provides, as it is not accompanied by a two-car funeral without the help of a dead undertaker.”

Senior House Republican, including representatives from Texas, Dick Armey, most guides and a native of North Dakota, has apologized to his colleagues in the House for the Bank of the debacle and tried to mitigate the pain was fact that over 2 billion in Federal Emergency Management Agency has already been highlighted in the pipeline and sustainable recovery efforts, at least until mid-summer.

But the show legislators heading home, without a valuable aid for farmers affected storm, farmers and homeowners is certain that fuel a public perception that Washington and the Republican-led Congress in particular are insensitive to the needs the average American.

”It is terrible that people in the Dakota and Minnesota and in other localities awaiting assistance will be empty-handed,’’said Senator Tom Daschle in South Dakota, the Democratic leader.

Under the sign of internal divisions, home of 104 Republicans, including representatives L. Robert Livingston of Louisiana, the committee chairman, abandoned their conduct dialogue a procedural error that allowed to resume at home, on June 3. The request was rejected 278-67.

The house had agreed later, at regular intervals during the session of the break, but no work would be done and soon, if ever legislators, should be in the city.

The House of Representatives and Senate have both approved $ 8.4 billion emergency aid expense accounts, including 5.5 billion in disaster areas aid. Bills and $ 1.9 billion the Pentagon cost of peacekeeping in Bosnia and the Persian Gulf region and $ 76 million for women, feeding infants and children.

But the problems start when the House of Representatives and Senate negotiators iron fought on differences in their bills and a bill that President Clinton would be adopted.

The money was not the problem. A key issue was that conservative Republicans that any remedial measure emergency spending, a provision designed to avoid that for the Government to supplement the budget fights.

Republicans wanted the provision of insurance against the repetition of policies suffered damage, if they were Republicans debt for the government stops in the years 1995 and 1996.

President Clinton, but against the continuing dissolution of the explanatory memorandum that, in practice, freezing amount to a reduction of education and social spending, the president won more money in the separate budget balanced. Mr. Clinton praised to veto every bill that the stopgap spending provision.

The legislation requires that automobile dealers, customers say whether ein”verwendet”Auto structural work is in fact an assembly of solid parts was about two dozen countries and others. The USA operate with a boom in the market for cars not rebuilt.

The legislation requires that automobile dealers, customers say whether ein”verwendet”Auto structural work is in fact an assembly of solid parts was about two dozen countries and others. The USA operate with a boom in the market for cars not rebuilt.

Rebuilt”voitures are not necessarily bad, but it is the fundamental right of consumers to know what they are buying,’’said James Jacobson, an assistant federal prosecutor in Minnesota, which is expected to soon pass legislation .

The legislation of Minnesota, the community has no opposition, shops, it is necessary that an ATM to say that the buyer of a car has been transformed.

The title of document Wort”umgebaut”zum the protection of those who could buy the car directly by the owner later.

”This is a first step,’’said Jacobson. A commission is legal hearings to determine whether auto rebuilders license should be transformed if the cars must be inspected for safety before being sold and whether consumers should be informed of all structural repairs, he said.

Rebuilders operations in the body, saying that in countries where consumers are informed of cars processed, prices fall by 10 to 30 per cent. Accordingly, told happen advertising laws, rebuilders to move, whether it is not necessary reported.

”We do not have a problem three years ago,’’said Scott J. Lambert, a spokesman for the Minnesota Automobile Dealers Association. Dann”Illinois, Iowa and South Dakota passed Branding securities laws and our distributors began to see platform platform on the dumping of wrecks newly established.”Expensive pieces

Sales of cars seem to be rebuilt, are increasing, say the officials, but there are no national or state, nor the turnover of the National Association of professions to speak for the automotive industry back. One reason for growth, operators rescue shipyards to say, it is used a car as expensive as insurance companies it is cheaper to settle damage caused by accidents declared that a car is a total loss, it might actually be repaired.

For example, an insurance company of $ 4000 would be paid if they lose the right to $ 4000 a vehicle valued at $ 10000, but it would only $ 2000, when he said that the car has paid a total ”,” of the owner of $ 10000 and sells the car to a salvage dealer for $ 8000 Rebuilders then buy the wrecks, and combine Rekondition.

The federal government and security organizations do not fulfil standards for cars built by the solid parts. And Illinois is the only country to a safety inspection mandatory for cars rebuilt. ”They are doing very well in previous tests,’’said Ron Bauman, a spokesman for the Illinois Department of Transportation. More than 60 pieces of cars processed are necessary to control, he said. But welds, critical components transformed by car, not on the list of inspection. Mr. Baumann can not explain why.

Other states are considering stricter rules for rebuilders, but the main legislative initiative was issued for the disclosure of documents of securities. New Jersey has a right of disclosure, but New York and Connecticut. South Dakota has spent more comprehensive legal advertising in the country during the last year. It requires that all vehicle owners to report damage over $ 1000 to the Division of motor vehicles. Interested parties may apply, see this report.

Data May deter some consumers, but not others. Last fall, Rodney S. Smith of Bloomington, Minn., paid a dealer of used car $ 10400 for a 1987 Ford Thunderbird, only to discover it was rebuilt and needs $ 3000 for other repairs.

According to the state interceded Federal Attorney General, which rebuilder, competing products in Anoka, Minn., Mr. Smith’s refund the money, then he bought another Thunderbird. The rebuilder says that the car needed if $ 100 in repairs and safely. Last month, he sold the car Kirk Grupa Elk River, Minn., for $ 9600. Mr Grupa said he knew that the car’s history, but not a deterrent. ”If I see no problem so I am not too worried,”he said.

In this city who work hard, wheat and cycle time on the edges of backyards, Albert (Buzz) Olson has a new way to sell gas and work in the city as postmaster - at the same time .

It is entirely fait”In Your Honor,’’said the charming owner of service station, pumping gas key to almost all adults in the city - 42 drivers. ”Just click on the button, pump gas fields, its money in the slot and its nature and joyful. You did not nickel have not yet lost.”

A service station on the honor system is not only characteristic of Golden Valley County, but it is less representative of the State of North Dakota, as a series of routine lowest crime rate in the nation . According to Federal Bureau of Investigation statistics for 1994, the latest figures available, North Dakota Nation, the lowest rate of murder, rape low lowest violent crime and the low level of prisoners in detention.

In this city of Fargo to agriculture, the state’s largest city, the low level of crime allows for human behavior seems bizarre by the way.

In January, while a bitter, three days a software component plug cold, Jeff Olson, is not related to Albert Olson, never resume his car during the day.

”For once I car garage in the morning, I come, it will operate for 15 or 17 hours in einem”Parkplatz, said Olson, an art gallery Bismarck, the capital of the country with a population of 50000

In New Rockford, Ken Throlson, a buffalo Rancher, it is never the key to the ignition of his break, whatever the weather. He snorted,”It is crazy me, if someone from my family is the key.”

Down in Fargo, people are always dampfenden on the film of the same name, the image of seven murders in two hours. Last year, Fargo has registered a murder.

Federal State, murder was the lowest rate - eight in 1995 - that the authorities have a general rule, the bodies of the victims shipment of murder for autopsies neighbor Minnesota. But with the Minnesota station recharge as much as $ 15,000 for each autopsy, coincements penny North Dakotans in June and created the Office of public medical examiners.

Experts caution that the new post does not mean that law and order is unraveling on the plateau. North Dakota’s crime rates are essentially the same level they were 15 years ago.

In Fargo, a city dominated by a regular boat Viking Memorial Norwegian pioneers, serious crime is so rare that the local newspaper, the Forum has no full-time journalist in the police beat. After a rash of burglaries, police Fargo has made this year to teach the city of 80000 residents to lock their doors and windows when you leave the apartment.

”I have friends in town, do not lock their bikes, their cars, their homes,”Rathge W. Richard, director of the North Dakota State Census Data Center, said Fargo.

Because of low crime rates, security, usually far from the hands of the state and insurance companies cost of auto insurance lowest rate of the nation, according to the National Association of Insurance Commissioners. The average duration of the auto insurance premium is $ 467, compared to $ 1106 in New Jersey, the most expensive in the country.

The basket of indicators North Dakota behind the low crime rate for which give an overview of crime are higher elsewhere, criminologists say.

In a state that only 28 currency snatchings and 35 cases of armed attacks during the year 1994, experts cite factors ranging from crime cold much of the rural population and strong families.

Vierzig”unten believes that the riffraff,”cup of hot coffee sold Bismarck, a city known for cold winters.

States with the lowest rates of murder during the year 1994 was at the bottom: North Dakota, Vermont, South Dakota, New Hampshire, Maine and Iowa. The highest rates were murder, in order, Louisiana, Mississippi, Arkansas, Alabama and California.

”North Dakota is cold, and for a number of months of the year, people are outside - in Louisiana, it is year-round,’’said Scott Morgan, a Kansan, published in July, a survey, Crime State rankings in 1996.

How leaders insurance authorities, politicians and all groups of consumers in the struggle to control skyrocketing costs of automobile insurance, a new study suggests that maybe the wrong direction.

Insurance premiums are high in Los Angeles and Philadelphia are not primarily because of congestion, vehicles against theft and break-ins, commonly believed that insurance-sponsored study said. A larger reason is that drivers in accidents in these places rather file injury claims and complaints of pain and suffering far more than other drivers. Prices go into these areas that the insurer trying to stay before increasing frequency and amount of payments for medical expenses and other charges.

Many basic research, lessons learned from the accidents of thousands of discs American motorists Insurance Research Council, supported by the organization of industry, there was not a surprise. But the Council said it was aufgeschreckt to find large geographical differences in the tendency to bring answers and not willing to explain why.

With the help of an index that measured the proportion of accidents in which victims have a personal injury claim or more generally a claim of pain and suffering, the Council, California top of the list of countries with 55.7 100 percent of accidents. But South Carolina, with 41.4 per cent, and several other countries in rural areas was also high.

“For some reason, these people for the country is very fragile,” said James F. Perry, a vice-chairman of the National Council of Farm Mutual Automobile Insurance Company.

The bottom of the list was the State of South Dakota, whose inhabitants have called pain and suffering only 15.7 out of 100 accidents studied in this state.

Curiously, but while the driver of Los Angeles said the pain and suffering of 60.6 per cent of cases, San Francisco his colleagues had a low 37.4 per cent. In addition, pain and suffering right in Philadelphia rate was 75 percent, compared to only 15.7 per cent to Pittsburgh. In New York, the Bronx had a rate of 30.3 per cent, the highest for the city, while Queens showed a weakness for the city of 17.5 per cent.

“That was surprising,” said Donald W. Segraves, the Research Council, the Executive Director. Mr. Segraves supervised the preparation of the report. “Everyone has seen, the study was surprised on the sector for large cities, he said.

Assekuranz leaders said they hoped that the study would also help them understand why the average rate has been higher in some cities. Once they do this, they can find ways and means to better control costs, could help slow the increase in premiums.

Some consumer groups say they already know, one thing that helps with the key Price: no-fault insurance, limits the ability of a person to blame.

“A good no-fault law solve approximately 20% of the problem,” said Stephen Brobeck, Executive Director of the Consumer Federation of America. “All the results of research shows that people with low value excessive.”

Most major auto insurers, without any assurance of debt. Companies argue that premiums on auto insurance policies could be considerably reduced if the accident victims’ pain and suffering claims was limited to serious cases. “Tap surplus Out ‘

No debt insurance “bruises excess of a quantity of applications, and some may close the legislature that the study,” said Segraves.

In New York and 13 other countries, without insurance, lack of laws, the proportion of complaints filed in case of accidents has decreased by half that by the way. Prices remain high in New York City, because the cost of break-ins and theft of vehicles, savings Marsh no-fault borders.

New Jersey is also a no-fault state famous for high auto insurance rates. This is partly because their guilt has not limit values are null and void, experts say. They note that motorists the opportunity to participate in suffering, in some cases, when their medical care of more than $ 200.

Other notable exceptions between no-fault states Hawaii, Massachusetts and Georgia, where the proportion of industrial accidents followed by work stoppage action was a rise in interest rates to three.

States Western painting new speed limit sign, convinced that next week by President Clinton signed, what his friends and enemies “pedal-to-the-metal.”

If this treaty enters into force, the National Highway System designation of the federal law would remove control of speed limits, first imposed fuel as a means of winning in 1974.

Without federal budget, Montana is automatically America’s “highway” status. How many drivers in Germany by major highways, drivers in Montana interstates on the face of every day is not time to speed limits, because she screamed by Big Sky Country.

A generation of state legislators in the West has reacted violently to the introduction of the maximum speed of the National Institute of the nation maximum speed to 55 mph. States that do not comply ran the risk of losing highway money. During 1987, we read had the chance to raise the ceiling to 65 km / h on interstates in rural areas.

The dream to follow a regime of the race over vast green spaces, the state legislature, in the west accepted speed limits, which take effect only if the Confederation borders have been lifted. In Montana, lawmakers voted to restore a pre-1974 set by law, that motorists should drive at a rate reasonable and prudent. ”

Mr. Clinton has objected to the provision of speed limit and other parts of the highway bill, but it is feared, to sign it.

By its signature, maximum speed limits of 75 mph directly to Kansas, Nevada and Wyoming, and 70 km / h in California, Missouri, Oklahoma, South Dakota and Texas. Colorado’s legislative debate, a proposal to increase to a maximum of 75 km / h

In the East overloaded has not adopted any measures have been taken. In some countries in Eastern Europe, like New York, New Jersey, Massachusetts and Pennsylvania, speed limits can not be amended in the State Legislature. Others, like Connecticut, Rhode Island and Vermont, require action committees of public transport.

In the Rocky Mountain west, some have long argued that geography and population density of light provide a great fast lane.

“We have fewer people in this state that throughout the city of Honolulu, and three times as many cows as human beings,” said Andrew Malcolm, a spokesman Dir of Montana, Marc Racicot And provides a justification for opening up speed limits. “Public opinion is strongly in favour of old borders,” he added, referring to the state constitution-1974 before the law.

Security and insurance companies are to recommend to Mr. Clinton to veto the highway bill, which would be $ 6.5 billion in aid for states and the costs of a number of other Federal Regulations, as a motorcycle helmet, a ban on Billboard highways and staged a number of rules in connection with the truck.

Presses M. Clinton, a security group, Advocates for Highway and Auto Safety, recalled that his father died in a car accident. “We can not repeal the law of physics,” said Katherine Hutt, a spokesman for the Washington advocacy group. “Physics in effect doubling every 10 miles an hour on the current speed limit. ”

Realizing that 4694 people died on Interstate outages during the past year, the group said: “The Congress has examined the account of a highway for the first time in history, more ‘ To kill Americans, as it saves. ”

Monday, the consumer advocate Ralph Nader implored President, to view, please, what is at stake - between 6000 and 7000 more deaths each year, tens of thousands wounded, disable, $ 19 billion in the field of public health and costs because a higher insurance rates higher worker compensation premiums, more air pollution, more imported oil and more risks on the highway putting out of the police. ”

Within five years after Congress raised rural speed limits to 65 km / h, deaths rose 30 percent on routes where speed limits have been collected, according to a study by the Federal Department of Transportation, said Speed contributes to one third of all highway deaths.

East favorable to the security’m wondering how the pilot of Flight Montana prices next month when they arrive on a stray cow or a patch of ice while traveling 100 km / h, the deadliest of the Interstate east in Montana, on I-90 in Silver Bow County, Computer-Aided a case study of death intergovernmental this month Hearst newspaper. From 1990 to 1994, measured in the study, the number of fatal breakdowns per 100 million kilometres travelled.

Insurance Services of State across the country are facing increasing demands of public information for consumers. Public opinion on issues relating to the financial health of companies whose prices are increasingly important, given that more and more consumers recognize the need to shop for insurance intelligent.

The request comes amid increasing interest and concern on insurance after the recent failures and very publicly by several large insurance companies. With rising insurance rates, find buyers are more than ever a need for policies and compare prices on the market.

“It’s a huge increase in consumer prices demand for this type of information,” said Stephen Brobeck, Executive Director of the Consumer Federation of America, a representation of interests in Washington. “Some countries have done a good job him, help others, a little, and some are not available on all help. ”

Sometimes the problems start with the attempt to reach the Insurance Division of the State over the phone. During the implementation of a study in the last month, the staff of Weiss Research, Inc., West Palm Beach, Florida insurance company that prices Carrier, found that in six departments US - Arizona, Massachusetts, Missouri, New Jersey, New Mexico and South Dakota - could not achieve without the other: the lines were busy, there was no rings or, if they answered, the caller has not spent a recorded message to speak with a person.

Worse still, the researchers found that insurance services in several countries, false or incomplete information on a vehicle insurance, Presidential Life Insurance Company, which was in the press because of concerns about their health Financial.

Most public insurance officials say they are doing a good job of providing information on insurance, which are all ok, it is often a thorny issue for most consumers.

But responding to the growing annoyance of the public, some services are reaching, consumer associations or extension of its services. In California, for example, a state the first elected insurance commissioner, John Garamendi, is developing a system in which the purchaser of self-assurance of the situation, a “900″ number to learn more about fares are more down to their particular needs.

Mr. Brobeck and other consumer advocates say that public services insurance tend to fall into two categories. Some, like New York, are actively involved in supplying consumers with information they can use to assess business and politics.

But the insurance department philosophies are different, and some services are less consumers and focuses instead on his role as a mediator between the public and the insurance industry. “The problem with this viewpoint is that people only a few regulatory authorities have never heard of the insurance management company forces,” said J. Robert Hunter, chairman of the National-Versicherungs-consumer organization, the interest of representation in Washington.

Insurance Division officials are beginning to respond to these criticisms. For the first time, the National Association of Insurance Commissioners travel granted to allow representatives of consumer groups to participate in the meetings. The association also help countries exchange information on business problem to the public, “said Steven T. Foster, Vice President, VA is also commissioner of insurance. Changes in Georgia

While California and 11 other countries to choose their insurance commissioners, the electoral process so far little impact on services more on the public, “said Hunter of the National-Versicherungs-consumer organization. But as the example of Mr. Garamendi and others show that perhaps changed.

In 1990, Tim Ryles, former director of the Governor’s Office of Consumer Affairs, Georgia was elected the Commissioner of insurance business after campaigns on a platform stressed that the representation of consumer interests. Since then, he has a list of automobile insurance rates for consumers and eliminates the mistakes of non-coverage for owners of cars are, like many games of 12 percent to the state.

Around America, the confrontation with the families of health care. They wonder if they have the assurance of a price they can afford. They are concerned that many out-of-sac health costs from the budget of the family. You wonder if it is able to bring their own doctor. Some feel trapped in jobs they do not fear losing their health insurance.

As the recent severe government announced the plan yesterday Hillary Clinton shows once again the policy responses on the provision of health care highlights the deep difference between liberals and conservatives. It is a Republican debate can not avoid. But it is one we can win - if we propose a bold plan. The Conservatives must be submitted to the implementation of reforms of patients. Increased competition will ensure an improved accessibility, cost reduction and innovation.

The Liberals are the concerns of families as a failure of private insurance, and we want the USA to move in the direction of a Government-Run, just paying model. It is a recipe for problems worse. Sozialisierte inevitably leads to medicine of poor quality, inefficiency, higher taxes and rationing. The queues and bad management, allow people from other countries come here for treatment are not the answer.

Government can help the poorest Americans and the elderly enjoy a quality of health care, not what everyone wants - the ability to choose their own doctor and health coverage, his family responds to specific needs. What are the reforms are done?

Level of the fiscal conditions of competition. The man, working for companies receive a tax reduction on health insurance, they receive from their employer. Many small businesses, farmers and self-employed workers are not given the same tax advantage, because they or their employers can not insurance. It is not fair and reasonable to punish people to pay for health insurance from their own pockets. They should enjoy the same tax benefit employees of large companies.

The mortgage interest deduction has made it easier for people to own a home and enjoy all the Americas. Likewise, each worker must obtain a deduction for health insurance premiums. This would lead to an easing of the burden for families to work and it is possible that millions of Americans of its own health insurance. Some Republicans in Congress for a tax credit rather than a deduction: it is reasonable, too. A deduction or credit is a responsible patient, in private, it hides their needs.

Tax-free savings for the health system costs. We are encouraged to make tax savings for retirement provision and the college, we should make it easier to save tax Out-of-Sac medical care. Tax-free savings accounts, coupled with the Low-Cost catastrophic health insurance coverage at an affordable price Working Families. For example, a youth center said Minister of me, his health book (HSA), his family peace of mind, because she had the assurance of protection for major emergencies and save tax for daily expenses of health.

That is why, in less than three years, more than 4.5 million families have set up HSAs. Some Democrats want to control HSAs, because they fear the different HSAs - not state - charge, and if someone already receives free choice of a plan to meet their needs, they are not happy dictated by the government.

And if people see they can save money by eating better, exercise and healthy lifestyle decisions, guess what? You do. I met workers at Wendy’s headquarters in Ohio, were the steps eager to conduct more healthy lives because their money.

State Farm Mutual Automobile Insurance Co. pay $ 11.3 million of dividends to its customers 119000 auto insurance in Hawaii, a step that could trigger a new wave of reductions in interest rates by the local automobile insurers.

The state’s largest auto-insurance said it would be an average of about $ 95 for each of their policyholders in Hawaii, or 20 percent of the local farm state average of six months into account.

Far Federal, State Farm said, there is a disc of $ 891 million drivers in 35 states and the District of Columbia.

The 20 percent dividend Hawaii is the highest in the nation, with 20 percent distribution rate of Rhode Island, South South Dakota and Utah.

Rey, national commissioner of insurance of that State Farm Graulty’s dividend could lead to a new wave of declining interest rates for local motorists. Given that the state farm east of the island “greater self-insurers, competitors face in order to reduce pressure on their premiums, he said.

“This is good news, because I think it may trigger a new wave of declining interest rates,” said Graulty.

The procession comes to the farm in the Land November last year returned $ 11.6 million in the form of dividends to local customers.

The company also reduced its tariffs for local automobile insurance for an average of 15.2 per cent at the beginning of the year.

Etats-pilot repurchase the highest auto insurance premiums in the nation, an average of more than $ 1000 per car.

But given the recent reforms of insurance and improvements in the conduct of the average premium in Hawaii has slid to about $ 959, is the fourth most expensive in the U.S. market behind New Jersey, the District of Columbia and New York.

Carolyn Fujioka, spokesman for State Farm, said the company benefits from fewer car accidents, drunk, the tightening of tax laws and cars safer.

She noted that reforms in auto insurance for the rule of law has played a small role in the company decided to offer the new securities.

State Farm said that the dividends or failure may be credited to customers of the company the next cycle of renewal.

The police is to give confidence, license and registration, please bitte”hat now a new ring around him in South Carolina.

Drivers to prove now, they should automatically face of insurance or money or imprisonment of a flat-rate insurance into account by the law signed Dir David Beasley.

Most laws that are quite insurance changes of the state structure in an attempt to lower tax rates will be effective in 1999. But the provision that proof of insurance was immediate in the second Mr. Beasley signed the bill on July 3, said Rep. Harry Cato, R travellers rest.

“ After all, we now have the insurance,’’said Cato, one of the architects of the insurance sector. “ People should be able to prove that they are entitled as insurance.”

Despite the law on compulsory insurance, the Legislative Audit Council said it can not be less than 450000 uninsured vehicles in South Carolina roads. The Council said that this year, drivers are uninsured one of the biggest problems of South Carolina’s insurance system.

Highway Patrol troopers waiting a bit, probably three months or a little less before the launch to write tickets for those who lack proof of insurance, “said Eddie Gunn, intermediate division Public Safety director.

Mr. Gunn said he understands that some people do not have the necessary assurances have not yet map.

“ I know personally, my company is not once again with me,”he said. “ Not for me a wallet-sized card indicating that “I have insurance.” ‘

Get yourself a ticket and do not have an insurance card and you have a month to your insurance company to verify coverage.

After a month, your license is suspended until proof of insurance. If that happens, you must prove that every three months for a year or even your license is suspended.

It is also possible to a fine of $ 100 or 30 days in prison, not subject to proof of insurance.

“ The best thing is that you have insurance, if you drive vehicles on the road,’’said Gunn. “ You have or you do not. If you did not, it is an injury.”

The other countries of the South require proof that the assurance of Georgia, Florida and Kentucky.

Other states are Arizona, California, Connecticut, Delaware, Hawaii, Idaho, Illinois, Iowa, Maine, Minnesota, Missouri, Montana, Nebraska, Nevada, New Jersey, New York, Oklahoma, Oregon, Pennsylvania, South Dakota, Utah, Vermont, West Virginia and Wyoming. Ohio in the list next year.

Mr. Gunn said the motorway police to begin a discussion at random automatic verification of insurance coverage used control over its estimate of 1200 traffic stops per day. Even taking into account pay local Sheriff’s and police departments to confiscate the license plates and registration of persons, not on insurance.

“ We recognized that compliance with the laws of insurance is not what it should be,’’said Gunn. “ We seek to strengthen our efforts to ensure that everybody obeys the law.

The South Dakota legislature has killed a house account that, according to reports would have increased the costs of self-insurance liability of up to 20 per cent.

“South Dakota is number 46 among the 51 states in the self-insurance costs at an average price of $ 619 per year,” said Laura Kotelman regional directors and advisers for the Property Casualty Insurers Association of America (PCI) against the bill. “Based on estimates of several of our member companies, insurance mandatory minimum liability would have had to increase premiums between 11 and 24 per cent, according to the insurer.”

H.B. According to reports 1121 would have doubled the minimum number of insurance coverage automobile that people should be up to $ 50000 in liability insurance for injuries and deaths, $ 100000 several claims of an accident, and $ 50000 for damage to property. The current limit is $ 25,000 / $ 50,000 / $ 25,000.

The House Transportation Committee killed because of the measure 7-4 on the strength of PCI and State Farm. At the beginning of the meeting, H.B. 1120, a law to require that insurance over the period of a car is registered, is also dead in the house Transportation Committee.

“Legislators are used in good faith on the massacre of these bills,” said Kotelman. “South Dakota currently has a population of uninsured drivers by only 6 per cent among the lowest in the country. Increasing South Dakota minimum for the driver would have been too expensive for some, may have to go without insurance Because the costs. Capping of these contribute to strengthening the requirements, most people in the State of doing what socially responsible and appropriate quantities of self-insurance liability.