New York Insurance

According to another driver behind Jean-ended Fitzgerald’s Hillier Pickup Truck, near Tampa, Florida, last year she went to a chiropractor complaining of neck and back pain, headaches, dizziness and numbness in his arms. To try to find the reason for Ms. Hillier’s discomfort, the chiropractor sent to a medical imaging center for diagnostic tests.

The centre of two magnetic resonance imaging, or MRI, tests and two computer axial tomography or CAT-scan and weighs a total of $ 1516, according to court documents. Later, insurance investigators said, another company with the same personal responsibility and address chiropractic clinic billed Ms. Hillier’s insurers, Hartford Financial Services Group, $ 5700 for the scans - a marker of 275 percent.

The insurance company contributes to a remedy that the clinic was charged in a cabinet, with the mediation medical distributors draw thousands of dollars of tests, sometimes fraudulently, by abuse of weakness in any debt insurance programs . The clinic refused Established accusations in court for lack of applications. His lawyer went to manage in an interview, unless said dass”mein customer is not wrong.”

Dire investigators brokerage hiding behind a growing number of abusive and fraudulent taxes often in the treatment of victims of car accidents in Florida. And across the country, fraud and abuse in diagnostic imaging, one of the most expensive medical procedures and automatic for the victims, is an important reason for violations of claims in several countries amounted to triple the rates of health care costs in general, experts said.

In New York, claims, the amount fired more than 30 percent last year, in part, operated by this type of diagnosis and other mogelnd fraud, “said Robert Hartwig, chief economist at the Insurance Information Institute , An industry trade group. In Florida, regulators say claims costs have increased by almost 17 per cent.

Far Federal New Jersey to California and Texas to Illinois, fraud and abuse in the context of medical care for auto accident victims cost insurers about $ 5.4 billion per year and add an average of nearly $ 35 on the annual cost for each auto insurance in America, according to Dennis Jay, executive director of the Coalition Against Insurance Fraud in Washington. In New York, says Hartwig, says this type of fraud over $ 70 for each policy.

Medical care in self-insurance is particularly vulnerable to fraud and abuse, because it is the only area of health, which are not covered by Managed Care checks. Accordingly, self-insurance out of habit, more money for medical illness and private Managed Care business, an opportunity for unscrupulous providers.

”This is how our system has evolved,’’said Uwe Reinhardt, a professor at Princeton University, who specializes in health economics. ”In auto insurance, the presumption is that the injured person should be 100 percent in total. Nobody can deny, depending on what you have with your doctor or maybe an option.”

Thanks to anyone to say no, M.R.I. Brokers, most often are independent of doctors and diagnostic centres and others bent on using the system allows lots on charges for services, managed health care, insurers simply refused. You can do this, because no permission is required for treatment and insurers are legally obliged to pay üblichen”und”Preise usual, as doctors, hospitals and others to ask - and not the lesser of much more accepting, health insurance routine and the authorities.

In case of Mrs Hillier’s, owner of the clinic chiropraktische negotiated a rate of $ 379 for each scan - that pay health insurance - but he billed Hartford in the centre of diagnosing the list price: $ 1650 each of the first MRI and CAT scan and $ 1200 for tests after a complaint filed by the insurer.

The medical costs are a particular problem in Florida, New York, New Jersey, USA and other countries without guilt assurance that the insurers to pay its receivables, whatever caused an accident - and you do Pay quickly - even if it means less checking invoices.

With rising costs for auto insurance, New York, moves toward the state’s most expensive in the country for reporting. But the legislation to cut one of the biggest expenses - fraudulent claims - is stalled in Albany; postponement of the Assembly of the State is just weeks away, and the rate increases at a compromise, even if the problem worse.

Dir George E. Pataki and other Republicans, Democrats at the beginning of the Regulatory Authority of insurance and insurance companies agree that the new laws are needed to plug the holes in the state no-fault auto insurance system, covering insurers, the first $ 50000 in medical bills injured in an accident, regardless of fault. But the different players throw another block to find a solution.

Some Democrats and consumer is in favour say insurers have not done enough to become familiar with fraud, and I just tried to pass on rising costs for drivers of vehicles while strengthening profits.

The Democrats say they see no sign a compromise on the part of Mr. Pataki, or Republicans in the legislature. ”There was no effort by the administration to share what parts of a package of legislative reforms,’’said Alexander B. Pete Grannis, the Manhattan Democrat and chairman of the Assembly Insurance Committee.

Some insurers and indicate that Republicans Democrats to block legislation aimed at resolving the problem, hoping that the rising cost of auto insurance is a question, they can against Mr. Pataki, is running, new elections this fall.

”He returned to politics,’’said Robert P. Hartwig, chief economist at the Insurance Information Institute, a trade group in Manhattan. The démocrates”contrôle of the Assembly and there is not much incentive for them to make life easier Pataki.”

Regarding the sharing of most pages Democrats’ desire for a consumer lawyer in the state, insurance and the freezing of service and require a rate reduction target.

Over the past year, several insurers, including Allstate, the company in New York, a price increase averaging 10 to 15 percent. Insurers are also refusing to insure drivers as likely to cost you money by filing an accident of law, policy, forces tens of thousands of drivers from the requirement to obtain repayment of much more expensive state-run pool of last resort.

Black and Hispanic lawmakers competent, that too much weight on these rejected for lack of coverage are in the minority. Insurers admit that most motorists in the pool come from the most densely populated regions of the country, but they say, its decisions concerning the coverage is colorblind.

Polls suggest policies, the subject is not a major concern for most New Yorkers. Indeed, some drivers, like Dr. Jonathan Epstein, an emergency specialist in Manhattan, seem to be the price increases with a shrugging of shoulders. ”If this is up, he said”,” there is very little I can do anything. I have a car and myself have insurance.”

But Abby Scala, an Account Executive at Kay Insurance Associates, one of the largest brokers of the automobile in urban areas and Home Insurance New York, said many other customers are beginning to rebel.

”My phone has not yet been in this business 25 years,’’she said. Almost all monde”est asked if the renewal of their communications, ask us around you buy for a better price.”

Most customers, she says, do not see auto insurance as a political problem, but. ”The debt of insurance companies,’’she said. It is pas”une time for reflection on the legislature or the governor.”

Equal above the Hudson River, prices in New Jersey were the highest in the country for several years and were a major factor gubernatorial during recent elections. The latest data from the National Association of Insurance Commissioners, an umbrella organization of state regulatory authorities, the average annual cost for insuring a car in New Jersey in 1034 to $ 1999, more than $ 91 in New York and $ 351 higher than national average.

One reason for a problem that dominated last year’s gubernatorial race in New Jersey, Lieut. Dir McCAUGHEY Betsy Ross has published today a plan to reduce auto insurance in New York, including a proposal for Pay-by-the-miles premiums.

He was one of two proposals to reduce the tax rates are offered today by the candidates for the Democratic gubernatorial nomination. Peter F. Vallone, spokeswoman for the New York City Council, it offers a limited proposal, but McCAUGHEY Ms. Ross’s plan, consumers little choice between holding a payment of a lump sum, as a driver to do now or the payment of rent based on mileage.

Some insurance companies has already led miles as one of many factors in calculating premiums, but their plan, the correlation much more directly.

”The danger is not in possession of a car, it is in one direction,’’said Ross McCAUGHEY. ”People drive less, should not be compelled primarily insurance companies pocket.”

The lifetime-based approach would be a blessing for people who drive infrequently, a group of older drivers, the people of New York and women. All three constituencies could be decisive for the Lieutenant Governor’s main policies, the elderly are more likely to vote, it is explicitly appealing to women voiceless, and it tries to raise its relatively weak performance of capacity in New York City voters.

She stated that its proposals would lower rates by 25 per cent, but many of them is based on projections of income from savings from other elements of his plan, such as the appointment of a lawyer consumers and cut administrative costs.

In New Jersey, during the past year, Dir Christine Todd Whitman was almost hit by a little-known Democrat, Senator James E. McGreevey state accused him do anything about auto insurance premiums, the highest in the country.

Ms. Ross McCAUGHEY Democrats and others fighting for their party’s gubernatorial nomination - Charles J. Hynes, the Brooklyn District Attorney, James L. Larocca, a former commissioner of State, and Mr. Vallone - have said she hoped that the use of the problem more impact in New York.

In describing his own insurance, Mr. Vallone said one reason for the New York High rates is a law signed by George E. Dir Pataki in 1995, as a woman McCAUGHEY Ross was a member of the Republican Governor’s Team. She changed party affiliation in September and started plans for a gubernatorial race.

A campaign aide said that Vallone 1995 law increases the minimum amount drivers, resulting in higher prices. Ross’’sagte nothing, if the law of this State,’’said Kim Rubey, a spokesman for the campaign Vallone.

Mr. Vallone released less than a detailed proposal for the creation of a free telephone number and website to help people compare-Shop, as well as limiting insurers’ profits, and strengthening penalties for cases of fraud. He did not say that his proposal is likely to affect rates.

The Pataki camp has rejected the proposals by Mr. Ms. Ross and Vallone McCAUGHEY of pandering. Neither ein”macht no sense,’’said Zenia Mucha, the governor-director of communication. ”This is nothing other than the choice of the political year.”

In a poll conducted this week by interviewing John Zogby International, more than half of New Yorkers interviewed indicated that auto insurance rates ein”’’sehr important issue in the race for governor, but a similar number, they do not think it will change its decision as to whether the voice M. Pataki.

Although Ms. Ross’s McCAUGHEY plan could be based with blocks of important votes, there were political risks as well.

Mary A. Griffin, Vice President of the American Insurance Association, said reducing the rates for one group would lead to higher prices than for others, in this case, outside the city inhabitants, propulsion, links longer and were McCAUGHEY Ms. Ross’s greatest source of support.

The lieutenant governor argued that since the insurer was healthy profits now, it would be possible, each falling prices. But she acknowledged that if profits are scarce or non-existent for the lower rates, the reader is less and less forcefully, until the prices for those who drive.

Mayor Rudolph W. Giuliani has a sudden interest in recent weeks in the policy of auto insurance, a topic that is not normally in the areas of the city’s Chief Executive. But the mayor emphasis on businesses have less to do with his interest in the intricacies of their practices and do more with its desire to focus on what he considers to be the most beautiful end of its mandate: lower the leg crime rate.

He railed against insurance companies to a large number of public appearances that companies in dispute have treated people of New York City unfair, because insurance rates have not kept pace reduction 51 per cent of car thefts that the city had between 1990 and 1995.

”It is time to wonder why New Yorkers have not benefited from declining auto theft, Sir,’’said Giuliani.

Indeed, the sector is placed under public regulation, the answer to this question would normally be grappled in Albany, not City Hall. During his attacks, Mr. Giuliani said he tries to translate its fight against crime gains in dollars and cents rewards for residents. After the fight against the automobile insurance rates, he said, this is insurance rates for homeowners because the home burglaries have also in recent years.

While the mayor said he is not a politically motivated tactic, its political benefits are inevitable. With the criticism addressed to businesses and the announcement of the creation of an investigative task force that would be praised hearings, to attend the end of automobile insurance rates enigma, the mayor assured that the issue remains costs coming weeks, perhaps even next year, if it is to win another choice to keep his seat.

Among the challenges awaiting the mayor in elections next year’s elections, some have tried to score early points by critics to him for his management of overcrowding in public schools and its efforts in support of Yankees New York to find a new home. In the meantime, the mayors of insurance appeals to many rural middle class, insurance-paying voters. His anti-Versicherungs-Gesellschaft oratory allows him to trumpet to significant reductions in the city of crime but to ensure an industry that has moved resentment.

”The mayor has set elegantly on a major problem,’’said Steven Goldstein, Vice President of the Insurance Information Institute, an industry trade group. All the time”may be an elected official stand up and refuse the cost of auto insurance, it’s a no-lose situation. Nobody can say that the mayor, they are satisfied with what they pay, because it is not too few, when it comes to auto insurance.”

Other men have also seen the wisdom of this strategy. Jim Florio, the former Democratic governor of New Jersey, adopt changes in auto insurance at lower cost to policyholders in the early 1990’s, but he lost the election in 1993, his command, because the tax increases , Which he agreed to eclipse insurance benefits. And Bob Dole, Republican presidential candidate, wants to be part of reforming the auto insurance debate in the presidential race.

The mayor has assiduously to the regulatory authorities to avoid criticizing or Dir George E. Pataki, a fellow with the Republican mayor tent in the Lot. Mr. Giuliani said the auto insurance prices are likely nur”etwas, nobody was to be met.”

Still, officials, the New York State’s Insurance Department are less than enchanted with the mayor of the new tack.

”We are satisfied to hear what we hear,’’said John Calagna, a spokesman for the State Insurance Department. ”As many press conferences, they are? Perhaps that the division of insurance must appoint its own working group to examine how the mayor of the perception of a tonne of waste in the city, because it would have only if very important.”

Mr. Calagna and industry experts say that the inhabitants of the city to pay an overall rate of automobile insurance - and this applies to such things as car theft and damage caused by fire, vandalism, flying objects and takes an animal - have declined slightly over the past few years, but increases in other insurance costs offset the decline.

Question: Is there a way to beat the high cost of insurance on rent-a-car?

A. holiday in France last summer, I drove my rented Audi to a pillar in a parking garage, amputating the page-view mirror and a sharp crease in the front fender. As uncertainty, as I was of the accident, I was happy because it meant I would be more tangible to pay the exorbitantly priced $ 20-A-Day Collision Damage Waiver I would be purchased .

Given the high cost of insurance for rental cars, I am probably not the first tenant to the joy of a small taste-up. If you recently hired, do you know that the revision der”akzeptieren”Kontrollkästchen alongside all the possibilities offered in a lease classic can add $ 30 or more on your daily life costs.

Among the options that Collision Damage Waiver, relieves customers of financial responsibility in case of loss or damage to the vehicle, it is often more expensive. According to a 1994 report, the U.S. Public Interest Research Group, an organization defending the rights of consumers in Washington, the price of Collision Damage Waiver increases the price of car rentals, averaging 46 percent per day and all that 93 per cent.

Indiana, California, Nevada, Texas, and limit the amount or payment for collision damage waivers, and in New York and Illinois ban as a whole. Elsewhere in the USA, insurance can be easily cost of about $ 19 per day, equivalent to about $ 7000 per year, according to the owner, location and type of car. Hardly a coup, if one considers that a driver of 30 years live in a High Premium, like New York City can assure you, a new Ford Taurus for about $ 2100 and more coverage, which represents a Collision Damage Waiver.

But that does not mean that the rental insurance must always be avoided. If you rent a car and do not have another insurance fund, the assurance of good sense, regardless of price. Otherwise, you have all the costs for the repair or replacement of the car when it stolen, vandalized or in an accident.

What many tenants do not recognize, however, is that more and more economic alternatives. If you have an automobile insurance, there are great chances that covers apartment, at least in part. In addition, some credit cards offer more than the collision insurance reimburses, so all costs not covered by your own policy, including the prorated. But the coverage of exceptions and is full, you can leave with a Big Bill, if you have an accident.

For example, the Collision Damage Waiver of credit cards and insurance do not cover personal injury or personal liability. In other words, if you or your passengers are injured, nobody is covered. In the case of an accident with another car, neither option pay to repair or treat violations of self-passengers. And if you refer to the reports are not paid or pay legal costs made against you.

The maps are generally not insured Off-Road vehicles, trucks, cars or worth more than $ 50000. In fact, Off-Road conduct, whatever the vehicle is a contract breaker: If you have an accident and a link on a bog or a golf course, your coverage is valid.

American Express includes damage resulting from causes such as legal acts. The Gold MasterCard, card coverage for a rental of up to 15 days and American Express for 30 days.

If you live with these conditions, the reduction of insurance on the rental contract and your land, if the agent tries to put pressure on the review. It happens. A car rentals at the airport Washington National Alamo Rent-A-Car, Anna Aurilio the rental insurance because she was paying with an American Express card. The officer was not satisfied. ”He told me, a very unpleasant way: “No matter the credit card. They take full responsibility for the car, if something happened,” ’she said.”I’m always refused coverage, but left feeling very paranoid.”

Leslye Lewis Page, a spokesman for Alamo, said that the arrivals Agenten’’sind in no way encouraged to coerce customers to different outlets.”You have noted, however, that compensation for employees was partly on the basis of a sale accompanying comprehensive, including conflict exemptions.

While collisions and damage credit card does not provide liability insurance coverage or injuries, most owners are happy to note that the gap mit”Unfallversicherung,”for about $ 2 per day, and liability insurance civil suit for about $ 7

The youngest of four children growing up under the reign landed in New Jersey’s Land hunt, Christine Todd Temple to hide under the kitchen table and wait for their brothers and sisters and their older friends. As they bite. ”Yes, they sometimes,”his sister Kate Beach, recently recalled.

Spirited and independent since childhood, Christie Todd Whitman - as governor of New Jersey’s is now known - has once more, a gift for people attract attention.

In 1993, he was a promise berauschende bar taxes, woven around voters and away from his Democratic opponent, the incumbent, Jim Florio Dir.

But while in the exercise of his recent victory, the state has today against Senator James E. McGreevey, Mrs. Whitman has found that voters still have an advantage in attracting the attention of their elected officials. Instead of simply the return home of Governor of the State for its second - and last - Definitions, polls in recent weeks showed many people keep their votes hostage until the last minute to Mrs. Whitman’s attention to some things, they were unhappy about.

An auto insurance”,” man shouted his journey along the campaign. And a withdrawal on race day, there were certainly more personal testimonies of a large property tax burdens whispered in his ear as forget-me-not in Casanova. New Jersey voters not bite, but they bark.

”I have heard loud and clear,”Mrs. Whitman said in its latest television campaign ads. ”In a second term, I’m going to self-insurance and taxes with the same home I had my first term on cutting taxes, reform of animal protection and the fight against crime. ” ‘

And if a new promise was made, the second-term agenda. Auto insurance rates the recent past has shown, will not be easy to manage. In the past, this year, Ms. Rückert proposed a reduction plan that Republicans control the legislature, widely rejected. But this governor has shown that the stretch of the campaign may be more as a forum for politicians to be heard and analyzed. When they keep their promise to campaign on 1993 taxes, they demonstrated that the section was also a place where could terms of a loan.

”It was taken seriously by voters,’’said Stephen Salmore, a professor at the Eagleton School of Politics at Rutgers University. ”She’s going to work more closely with Gesetzgeber”passieren reforming auto insurance, he. ”She’s will have to produce.”

Mrs. Whitman, born on September 26, 1946, a legacy of Republican politics. Her parents, Eleanor Schley Todd and Webster Todd Sr., was the East branch Republican, took her daughter to the State party and national events in an early age. Mr. Todd, a construction magnate, whose family Rockefeller Center and the construction of other important projects, which served for many years as chairman of the Republican State, and Mrs. Todd, born of one of the bankers in New York, New Jersey large landowners, had many roles in the Party committeewoman Including nationals.

Do a family of the 230 hectares of farm in Oldwick Township in Hunterdon County, Mrs. Whitman attended the Far Hills Country Day School in Somerset County and the Chapin School in New York City. She went to Wheaton College, Norton, Massachusetts, and holds a doctorate in 1968.

When she needs a rendezvous for 1973 Richard Nixon’s Ball inaugural address, she called a friend, John R. Whitman, the small-son of a former governor of New York, Charles S. Whitman Sr.

A year later, she married. Mr. Whitman, now 53, he was director of a private company-Venture Capital Fund. They have a daughter, Kate, 20, and a son, Taylor, 18

In 1982, Mrs. Whitman was selected for Somerset County Board of Freeholders and in 1988, Thomas H. Kean Dir appointed to the State Board of Public Utilities, where she served as president.

During 1990, in a long coup bid for the Senate of the USA, it took in the popular Democrat Bill Bradley, and although she lost the race was so close that Ms. immediately Rückert won recognition as a future star in the Republican Party.

The Pataki administration proposed broad changes in New York’s auto insurance rules today, with the aim of reducing costs, as the State to win the undesirable characters difference that the nation higher.

The plan is the first comprehensive effort to you, George E. Pataki, the high cost of self-assurance. It draws freely on proposals Democrats and Republicans in the state, legislators, and he met with the first positive reactions prudent now insurance companies, consumer groups and legislators.

The proposals include a number of regulatory and law enforcement against fraud insurance industry is responsible for high prices. There is no freeze premiums, a step Democrats and consumer advocates who have asked, so that the possibility that prices will rise.

But Gregory V. Serio, M. Pataki nine insurance Superintendent, insisted that the package of measures with rates would be put down, when he would not say when and for how much. ”If we do not act, it is a rate problem, we have a problem of quota, New York,”he said.

Assemblyman Alexander B. Pete Grannis, Manhattan Democrat and chairman of the Insurance Committee, said:”It seems that the governor has finally on the table about this, and many of its proposals, what we proposed, we are quite encouraged What space Thursday to reach an agreement.”

The cost of automobile insurance was durchsickernd as a serious problem in New York for years. In New Jersey, which had long the nation from the higher quotas, almost led the defeat of Dir in 1997, Christie Whitman, Democrats and trying, unsuccessfully, the issue against Mr. Pataki during his re-election in 1998, the election campaign.

A combination of factors has brought to the forefront of this year. In New York, have rates relatively calm, but New Jersey has declined, and industry officials believe that this year again, when new figures are released, New York exceed its neighbours, since the State has the greatest rewards. In 1998, the latest year for which figures are available, the car was $ 959 average premium in New York and $ 1138 in New Jersey.

Some of New York’s auto insurance laws are adjusted so that expired this year, so that the governor and legislators are forced to the same case, opening the door for a wide debate. And Mr. Pataki is facing a serious challenge to the election during the next year, three years ago, with Democrats once again talking about making auto insurance a campaign.

”The number of stars is really in alignment with something happens this year,’’said Blair Horner, legislative power and the director of the New York Public Interest Research Group, the pressure for a rate cut.

Mr. Pataki, a Republican, announced today an executive for the appointment of Attorney General Eliot Spitzer L., a Democrat, especially as Attorney insurance fraud federal state. Mr. Spitzer said he welcomed the appointment, and his office and the governor are negotiating on additional personnel to Mr. Spitzer, the Office for discharging his new duties.

The governor’s plan, insurance companies to offer customers to choose lower rates in return for permission to go to doctors by companies for all medical requirements. The amendment, sought by insurers, were able to keep costs and, in some cases circumvent the unscrupulous doctors to work with fraud rings. Mr. Serio described as the most important element of the plan.

The hotel would also reduce to 30 days from 90, the amount of time a customer would have to file a medical claim with an insurer, and 45 days from 180, the time for providers of medical services begin to file claims. Insurers have long lamented that the most challenging periods to study the applications and gauge their validity.

The governor has proposed similar rules changes in the past, but has met with intense opposition, and Mr. Serio said they were changed to complaints filed by physicians and consumers is favourable.

Dir M. Mario Cuomo, it is a decision on increasing the minimum amount of auto liability insurance, the New Yorker. If it does, lawyers say that the major distinctions cause damage. But insurers warn that the increase could also mean that more complaints are that the cost of motorists’ premiums.

Dir M. Mario Cuomo, it is a decision on increasing the minimum amount of auto liability insurance, the New Yorker. If it does, lawyers say that the major distinctions cause damage. But insurers warn that the increase could also mean that more complaints are that the cost of motorists’ premiums.

While low price levels of responsibility have not been collected over 33 years. The minimum price is not more realistically reflect the costs of car accidents, experts are ok, but many say they have also helped to maintain insurance to New York by higher tariffs as soon as several other countries.

After a bill passed this month, during the last hours of the session of the legislative procedure, the minimum requirements of liability coverage for the injury suffered by a person increased to $ 10000 $ 25000 and the minimum coverage for the injury suffered by two or more persons to increase $ 50000 $ 20000. The minimum for property damage, now $ 5000 to $ 10000

Rising prices

For many countries the poorest of the population, purchase, generally little coverage, more responsibility may increase the minimum strength of its annual $ 150 or more, according to the Insurance Division of the State and Spokesman of several insurance companies.

Most drivers already purchased more than the legal minimum coverage, avoid the risk that their property seized if it continued.

But their rates could still rise by $ 15 to U.S. $ 50 to cover higher costs for motorists in public subsidies Pool von””zugeordnet risk drivers whose driving records or credit history if leading insurance companies to deny coverage.

Insurers believe that the spark is higher than the minimum an increase in complaints, because the premiums of these actions would be greater. If that happens, their premiums could be even more expensive.

The responsibility minimum price in addition to the $ 50000 debt is pas”politique”that all drivers are required to wear. These measures include medical expenses and revenue from the loss of drivers, passengers and pedestrians injured in an accident, but not those riding in other vehicles.

Laying the debt high cost of automobile insurance in the insurance sector, Dir Jim Florio today proposed a drastic change in the way auto insurance in New Jersey with his adviser said a plan of reduce what the driver to pay up to $ 860 per year, $ 1112 within one year.

Laying the debt high cost of automobile insurance in the insurance sector, Dir Jim Florio today proposed a drastic change in the way auto insurance in New Jersey with his adviser said a plan of reduce what the driver to pay up to $ 860 per year, $ 1112 within one year.

The governor’s plan is to head confrontation with a seemingly intractable problem, and powerful business groups, including the insurance sector.

At the heart of the plan is the elimination of the Joint Underwriting Association, an organization of the State created in 1983 to ensure high-risk driver. The organization now provides 40 percent of drivers and the state owe a debt of $ 3 billion.

Mr. Florio plan, taxes and assessments of $ 1.4 billion for insurance to reduce the debt of the association. It would also eliminate $ 212 per year, that all drivers in the state, Pay support the club.

Speaking to a special joint meeting of the legislature in its sixth day within the Office, Mr. Florio also proposed that drivers can choose health insurance rather than motor insurance for the protection of injuries in car accident, a step, “said the governor would cut costs.

The plan would also eliminate some companies use criteria for the auto insurance premiums, such as age, sex and place of residence. Instead, would be based on what Mr. Florio these criteria, as the conduct of motorists.

New Jersey is one of the highest automobile insurance rates in the nation, and the increase in premiums has vexed politicians here, as in other state capitals for years. In a promising reduction of 20 per cent, Mr. Florio the same objective as the initiative of the voters of California in 1988. Courts have blocked the measure.

”I will not allow organized a rip-off, the driver of New Jersey,’’said Florio. ”I am not saying that I did not say that the faces of insurance executives and representatives of all other interests, to take advantage of the current system. I made it clear that if they impede the man, they lose.”

According to the Governor’s Office, an average driver pays $ 1112 per year, including payments to the association to stay afloat. The average premium in New Jersey is higher than what most motorists pay in New York and Connecticut.

Mr. Florio’s plan, the official said that costs up to $ 860 per year, within one year after its strength. The decline would be the elimination of $ 212 for payments for the club and the arrivals of some drivers of his injury relocation of their coverage of health insurance, a savings of $ 40 per year.

The governor’s proposal, which called his advisers should have the right science from 60 to 90 days was met with the general consent of the Democrats control both houses of the legislature, said the rapid move seemed likely.

But Republicans and some representatives of the insurance industry said they were deeply concerned by some elements of the plan. She suggested that Mr. Florio travel was for business, the elderly and health insurers. Critics have also suggested that a tax heavily insurance companies, the wind in the courts.

”I feel it has been said, we thirst for profit,’’said Ronald Krauss, spokesman for the American Insurance Association in Washington, which represents 220 companies. Mr. Krauss added that auto insurance was not very profitable in the affairs of state.

”There are many cost-Shifting happens in this plan, Sir,’’said Krauss. It would be in”kurzfristig During premiums, we, whether the cost base of auto insurance and avoid, by increased costs in the future.”

Tables for professional agents

At the heart of the exhibition, this is not Fehler””Versicherungssystem with its headquarters in 1973, which, unlike the others, but in addition to laws in other countries, obtain the right of motorists to complain when Accidents caused as little as $ 200 in health Costs. The results were a sharp increase in litigation and the price of insurance.

With New York on track to exceed the New Jersey as the country most dear to the nation-state for the automatic configuration insurance, politicians in Albany are encryption system to find it takes legislation, what could become an explosive topic in elections next year.

Most insurance companies of State, the big increase, they say, they need to cover the cost of extensive fraud committed by fraudsters in major cities, exploiting holes in the insurance sector laws. But part of the basis of these applications, “said the merchant public insurance schemes, Commissioner, is a bad decision by the insurers themselves, Set prices kept artificially low to attract customers.

”We believe that this is a time bomb,’’said Alexander B. Assemblyman Grannis, a Manhattan Democrat and the Assembly committee chairmen insurance. ”If current trends, ie 25 per cent walk a federal state.”

Today, the Assembly speaker, Sheldon Silver, published a Democratic plan, the fight against fraud and requested a two-year freeze on prices. A month ago, the Majority Leader of the Senate, Joseph L. Bruno was a Republican package of bills to increase penalties for insurance fraud. And Dir George E. Pataki, a Republican, is likely to seek new elections next year, working on a number of regulatory changes and legislative measures, the fight against fraud in auto insurance and cut rates, even if his government would not share details this afternoon.

The new legislative campaign against fraud is similar to a New Jersey after his last race for governor, if insurance costs almost automatic re-election compromise load Dir Christie Whitman.

The insurance executives say the heart of the problem, New York is an abuse of no-fault auto insurance, in which the driver of a law on insurance of the company shall pay the first $ 50000 of the medical bill injuries in an accident, whatever, is debt. Providers of medical services have six months to the claims of insurance companies and businesses have 30 days to study and raise objections if they suspected fraud. If the insurer missed 30 days of delay, they must pay the claim.

Fraudeurs, particularly in urban areas, were the use of no-fault system, staging accidents and send people to fake or dishonest medical clinics for the tests and unnecessary treatments, some of whom never performed, insurance and criminal prosecution authorities officials say. This discharge schemers often claims by the insurance company, and the six month period expires, making it difficult for investigators to prove that the claims are fraudulent.

Few doubt that fraud in New York. Reports to the State on insurance fraud has no debt has tripled since 1995, 12372 during the last year.

The cost of each claim was also Surges, Insurance Information Institute, a national trade group. In 2000, New York, the insurer “no-fault payments rose by 32 percent over the previous year, approximately $ 7950 per car in the greater good of the nation and above the average National $ 5400 that fraud, the industry has worked hard to convince legislators, up premiums for consumers. In 1998, the latest year for which figures are available, the average premium car in New York was $ 959 . It was $ 1,138 in New Jersey.

Insurers say the main reason for the summit is the sharp increase in fraud rings operated by organized crime, notably in New York City, where they say it costs $ 1 billion per year. Much of the increase in New Jersey came to the 1998 law makes it more difficult to file fictitious claims, that some law enforcement officials and insurers to the conclusion that no fraud rings moved above the ‘Hudson.

This explosion”tout began in late 1999 and has since exponentially,’’said John D. Reiersen, an executive with the Robert Plan Corporation, an insurance company.

But Mr. Reiersen and other industry leaders say, it was also an increase in the abuse of subtle. For example, unscrupulous doctors, in consultation with lawyers for unnecessary tests for the real victims of Pad bills and exceed the $ 50000 minimum of damage to a costume.