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The laws governing car insurance in the UK have changed quite dramatically over recent years. First, drivers had to get used to the Continuous Insurance Enforcement (CIE) regulations that came in during the summer of 2011. As the name suggests, these require all car owners to insure their vehicle or vehicles at all times – whether or not they are being taken on the roads.
Then, on December 21, 2012, a European Court of Justice ruling preventing insurers from using gender to help calculate their car insurance quotes came into force. Many drivers – particularly female motorists who benefited from lower premiums in the past – are likely to pay more for their car insurance as a result. The only exception to this rule is when the owner has guaranteed that the vehicle never goes on the road by sending a completed Statutory Off Road Notification (SORN) to the Driver and Vehicle Licensing Association (DVLA). Basically, if you are not using your vehicle, and you can keep it off the public highway, you should fill in a SORN. Failure to abide by CIE could result in a court prosecution and a penalty of between ?100 and ?1,000, while your vehicle could also be wheel-clamped, impounded, or even destroyed. These measures are in addition to the powers the police already have to seize an uninsured vehicle and fine its driver. And with the DVLA and the Motor Insurance Database (MID) working together to pinpoint drivers who have not insured their vehicles, the chances of flouting the rules successfully are slim. The good news, however, is that cracking down on uninsured drivers in this way should reduce the cost of the accidents caused by these motorists.
As these costs are covered by the insurance industry, which adds about ?30 a year on the average policy to cover them, this should then translate into cheaper premiums for us all. In 2011, the European Court of Justice ruled that, from December 21, 2012, insurers could no longer use gender when setting premiums. The ruling came about after the Belgian consumer group Test-Achats called for new regulations outlawing “discriminatory” pricing by gender.
Unfortunately for safety-conscious female drivers, however, the main impact of the Gender Directive on their lives is that they are likely to have to pay more for their car insurance.
Male motorists, on the other hand, are unlikely to have noticed much of a reduction in the cost of their cover. Other financial services affected by the Gender Directive include life insurance and the cost of using your pension to buy an annuity (or annual retirement income for life). Life insurance premiums were formerly lower for women due to figures showing that women live longer (and thus are less likely to make a claim during a given term). Now, however, life insurers and annuity providers must treat male and female customers the same, increasing life insurance premiums for women and reducing annuity rates for men.
The Consumer Insurance (Disclosure and Representations) Act received Royal Assent in March 2012 and is expected to come into force in March 2013. Its aim is to make it more difficult for insurers to refuse to pay out on claims due to the policyholder failing to volunteer material facts.
Instead, customers must take reasonable care to answer their insurer’s questions fully and accurately in order to qualify for a payout.
However, there are concerns that the Act will push up insurance costs across the board due to the increased number of claims that will have to be accepted and paid. Could you confirm that having a sorn which means a declaration that car is not used on the road I don’t have to insure same vehicle.
I ask this because a friend has said even though car off the road now insurance company won’t give refund because they say you have to have insurance no matter what. If your car is not in use and has a SORN notification to prove it, you don’t need to insure it. First up, filling out a SORN declaration is NOT and could never be a guaranteed that the vehicle never goes on the road, this is absolute rubbish, just because you fill out a form or declare something online don’t make it so! If you sell your car and buy a new car, you can then contact your insurer to update the policy so it covers you to drive your new car. This sounds a real nightmare and insurance fraud shouldn’t be taken lightly by the authorities. Although they’re London-based they should be able to point you in the right direction.
Basically my dad could drive my car under his own insurance but had been told that this has been changed and he must be on my insurance to drive my car.. If your dad regularly drives your car though, it could be worth him being a named driver on your policy anyway as this means he is fully covered to drive your car and so if he was at fault in an accident the insurer would pay for repairs to your car and any other cars involved. On the other hand, if he was at fault for an accident driving your car and was covered under the terms of his own policy, this means he would only have third party cover and so the insurer would only pay out for damage to other vehicles but not your vehicle. Sorry for the delay on this, it all sounds a very murky so we’ll need a few more details if possible? Am I right in saying he was insured to drive the vehicle (and so the vehicle was fully insured to be on the road) and you have fully comp cover that allows you to drive any other car, with permission, and grants you third party only cover for that car? Can anyone help, I have a couple of issues relating to cancelling the insurance on my 18 year old son’s car which has been declared SORN because of a mechanical issue with the vehicle that appears un-fixable.


We have only had the vehicle for a little over 5 months and the problem arose approximately 1 week after buying it. The first garage it went into was the garage used by the dealer in Walsall, it went back to them again a couple of days later.
I have asked them to contact me to let me know where it states any of this is my policy documents, or where is says legally that this is what is required. I spoke to 5 members of their staff none of which are able to give me an answer to either question.
No fault auto insurance is a term used to describe insurance plans in certain states that pay benefits to policyholders, and sometimes their passengers, regardless of the party responsible for the accident. No-fault car insurance, sometimes known as personal injury protection (PIP), is intended to limit premiums by reducing costly litigation and by making quick payments to all individuals injured in an accident. No-fault car insurance policies allow for litigation based on one of two categories of thresholds: verbal and monetary. Additionally, to simplify the state's law associated with no-fault accidents, New York allows a motorist who is involved in an accident to recover certain costs associated with the incident. What States Require PIP Insurance CoverageMichigan No Fault Insurance: an ExplanationNo Fault Coverage vs. Without adequate insurance protection, a serious accident could leave you financially devastated. The information contained in this guide is meant to give you the best possible understanding of how your car insurance policy limits can affect you after a serious Atlanta accident. Average no-fault personal injury protection claims by state.Michigan is unique among states in that it has both no-fault insurance and unlimited personal injury protection for automobile drivers.
According to the state's catastrophic claims association, the comparative average hospital billings for the same procedures are much higher for the patients receiving no-fault coverage than those on Medicare or workers' compensation.
The main worry about reforming the system is for the small number of people needing lifetime medical care costing more than the state cap of $1 million.
Catastrophic car accidents are horrible and the issue of insurance is touchy because it involves people who experience life-altering circumstances. Since they have less disposable income, sky-high car insurance rates harm poor Michiganders the most. Consumers are not allowed to choose a policy that fits their risk preferences, and are forced to buy more expensive insurance than they would choose.
The result of the current system has been the high cost of Michigan automobile insurance. Learn how you can help the Mackinac Center provide incisive, accurate and timely analysis of critical policy issues. With annuities, however, women paid more on the basis that they would receive their annuity payment for longer). However, there are plenty of insurers who still offer third party cover for driving other vehicles as part of their comprehensive cover. If so, did your insurer pay out (or has it agreed to pay out) for the damage to the other vehicles or property? Find out how no fault car insurance compares to standard coverage, and whether it's right for you.
This type of coverage is auto insurance law in Puerto Rico and nine participating states including Florida, Hawaii, Kansas, Michigan, Massachusetts, Minnesota, New York, North Dakota and Utah.
PIP-insured drivers are limited from collecting loses caused by other parties in civil court. A verbal threshold is a qualitative measurement that allows lawsuits based on severe personal damages like death, dismemberment or permanent injury. These entitlements include: coverage for medical expenses, lost wages, recoveries for pain and suffering and legal defense if the policy-holder is involved in a lawsuit resulting from an incident. This program maintains the motorist's state-required PIP coverage with no additional coverage. Extends the motorist's state-required PIP coverage to guest occupants and increases the motorist's PIP coverage to a limit of $100,000.
Extends the motorist's state-required PIP coverage to guest occupants and increases one's PIP coverage to a limit of $100,000. These no-fault requirements apply to all four-wheel and two-wheel vehicles registered in the state of Florida, and the insurance coverage must be held concurrently from year to year. In the event that a motorist does become involved in an accident and does not carry the minimum requisite bodily injury coverage, the Florida Department of Highway and Safety and Motor Vehicles (DHSMV) is likely to require this coverage in the future in order to accommodate the State's Financial Responsibility Law.
Additionally, to simplify the state's law associated with no-fault accidents, Michigan allows a motorist who is involved in an accident to recover certain costs associated with the incident.
Burke wants to help you in advance, so that you are well prepared should such an unfortunate event happen to you.
As a former insurance adjuster and presently a personal injury lawyer, Sheryl Burke knows how insurance companies work from the inside out. As a result of the mandate, the Insurance Industry Institute reports that the average cost per no-fault claim is $45,016 — more than twice that of the second most expensive state, New Jersey.


Everyone should be allowed to buy insurance guaranteeing unlimited medical care if they so choose, but if they do not, the governor's proposal would shift many of those to Medicaid.
But there is no free lunch in life or public policy and the state should strive to consider the effects on all people.
This is a particular problem for low-income residents, who when faced with high insurance premiums may choose to evade the law and not purchase insurance.
Oh and a nice little earner in fines for our corrupt bully boys, who masquerade as government. Insurance, tax etc they have never been down they are always going up, wages are going down too, tax where does it go?
In addition, New Jersey, Pennsylvania and Kentucky allow drivers to choose between no-fault and traditional coverage. Individuals injured in an accident with a no-fault insured driver can expect their medical bills, rehabilitation costs and lost wages to be covered by the policyholder's insurance. Monetary thresholds use a quantitative amount that must be spent on medical expenses before a lawsuit is allowed. If the motorist or one's passengers are unable to work due to accident-related injuries, work loss coverage helps recover lost wages, up to $2,000 per month, per accident. Additionally, the program supplements the motorist's basic PIP coverage with work loss coverage.
Specific to no-fault PIP insurance, these premiums cover the motorist when driving one's own car or anyone else's car. These include: provision of wage loss coverage in the case that the individual is injured and unable to work, coverage for all reasonable and necessary medical expenses, plus entitlement to reimbursement for medical mileage to and from your health providers, and entitlement to recover up to $20 per day for services the individual can no longer do because of an incident (three years maximum from the anniversary date). They want to make sure they are getting the maximum benefits from their insurance company to help cover their medical expenses and property damages. This is why we have written a guide on buying car insurance in Georgia, An Insider's Guide to Getting Maximum Protection at Minimal Cost. Know what to expect from your insurance company if you are involved in an Atlanta accident.
At the same time, a review of bankruptcy filings by state shows no correlation between a higher auto insurance cap and a lower rate of financial failings or lower mandated coverage resulting in a higher rate. Joseph Olson, a board member, authored a study a few years ago on the problems and some proposed solutions. The fact that Michigan ranks so high in its number of uninsured drivers can be explained in good part by the inability of drivers to choose less expensive policies. There are now electrical powered bicycles, and mobility scooters which dont need insurance. The damage was minimal and less than the excess in cost so no claim was made against the policy. Because of this, they may not sue the driver or vehicle owner for pain, emotional distress or suffering, except under certain predetermined conditions known as thresholds. Verbal thresholds are used in California, Florida, Michigan, New Jersey, New York and Pennsylvania, while Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota and Utah rely on monetary thresholds. If the motorist or one's passengers are unable to work due to incident-related injuries, work loss coverage helps recover lost wages, up to $4,000 per month, per event. PIP also covers the motorist and members of the motorist's household and passengers who do not have PIP coverage. Unfortunately, there are times when an individual did not have adequate coverage or was not in compliance with Georgia auto insurance laws.
Under the current law, insurers are reimbursed for all costs above $500,000 from the Michigan Catastrophic Claims Association (MCCA), which is supported by an annual fee of $175 (soon to be $183) from drivers.
It's hard to have a job when you don't have a vehicle and it's hard to have a vehicle if the insurance costs are too expensive.
Insurance company’s is all about the money and money only they couldnt care less about anything else! It was recorded by the black box and the insurer contacted me directly within 5 minutes of the incident happening. This coverage will also cover the motorist and members of the motorist's immediate household in the event of accidents outside of the state of Florida, as long as the incident is inside the territory of the United States. The change would still leave Michigan with the nation's most generous auto medical coverage. People are not criminals for having no insurance on a car they do not use, because it does not go!!!!



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