SEATTLE, Wash. (Special to Huntingtonnews.net) — Every yr when I get my automobile insurance bill my blood pressure rises when I see the line item for uninsured motorists. Virtually every single state has a law that calls for every car proprietor to have liability insurance coverage but this is seldom, if ever enforced. And as a consequence we all subsidize those who are uninsured. But Canada could have the ideal resolution.
If states enforced the law, the cost for uninsured motorists on our automobile insurance expenses would decrease drastically. Few if any states call for the proprietor to show evidence of coverage. This would be a basic method and proof would have to be given before a license is issued as effectively as for renewals. States also could need insurance companies to provide notification if insurance is cancelled or not paid. Some minimal income households and single mothers simply cannot afford any sort of insurance coverage and it is all they can do to just keep a auto working. Canada has the appropriate method and can make it inexpensive for all.
In Canada automobile insurance coverage is controlled and issued by the provincial government. In British Columbia, for example, the policy is issued by the Insurance coverage Corporation of B.C. utilizing licensed private agents who operate on a strictly controlled commission. The renewing of insurance is also part of issuing the annual license for each and every car. A single fee renews both the annual automobile license and insurance coverage and automobile owners can’;t get one with out the other.
The expense of insurance is tied right to the owner’s driving record — which is maintained in ICBC personal computers. Infractions enhance costs but a safe driving record mixed with no-declare bonuses minimize the Canadian premium to one of the lowest in the world — and everybody is insured.
If all cities, counties and states just enforced the car laws they have on their books, revenues would greatly enhance, driving would grow to be safer and hopefully insurance coverage organizations would minimize charges. But this is also logical for many elected and appointed officials -– who are paid by taxpayers –- to comprehend and enforce laws.
Throughout the U.S. and a lot of the globe it is illegal to use a cellphone or to text while driving. A texting driver is 23 occasions far more probably to crash and a driver speaking on a cellphone 4 occasions more most likely to have an accident in accordance to Edgar Snyder & Associates, a Pennsylvania law firm. The Snyder firm says that at any given time in the course of daylight hrs 660,000 drivers in the U.S. are making use of phones or texting even though driving.
I see violators several occasions every day but I’ve never heard of or noticed anybody becoming provided a ticket. A couple of weeks ago I was driving behind a police auto and saw a driver, without signaling, make a left turn in front of the policeman. The violator could not signal since he was speaking into a cellphone held in his left hand. The policeman just drove on.
In 2012, 421,000 folks had been injured and 3,328 individuals have been killed in distraction-connected crashes. Eleven texting teens die each and every day. These numbers are out of handle however the Nationwide Safety Council says that cell-mobile phone-related automobile crashes are dramatically underneath-reported. Reports say 94 % of drivers help bans on texting even though driving and 74 percent want bans on hand-held cell phones. So why are the laws not currently being enforced?
Pedestrians need to be ticketed as nicely. The University of Washington monitored 20 of Seattle’s busiest intersections and found that pedestrians who text are 4 occasions much less most likely to look just before crossing the street, or use crosswalks or obey site visitors signals. The researchers also identified that texting pedestrians consider longer to cross the street and trigger site visitors delays.
The Alfred E. Neuman prize this week for bureaucratic wisdom goes to the Seattle Department of Transportation. On one key city thoroughfare the department calculated that drivers averaged 39 miles an hour in a posted thirty mile an hour pace limit. Alternatively of enforcing the law to slow down speeding motorists and collect considerable revenues for the city, the division is paying hundreds of thousands of dollars to eradicate 2 driving lanes and widen the sidewalks and bicycle lanes.
The powers that be presume that drivers will be forced to drive slower since of the congestion created with 2 much less lanes. Considering and organizing this way has manufactured Seattle the eighth most congested city in the nation according to a report by ABC News. Seattleites spend an regular of 37 hours a 12 months stuck in visitors. Much of the credit score has to go to these bureaucrats who are generating such decisions. What I am sure will happen is that once quiet neighborhood streets soon will be overrun with drivers taking alternate routes.
Canada usually would seem to get it appropriate. With Canada so nearby, also negative the politicos don’t commit some time there to realize how it all works so properly. Even so, as Forrest Gump says, “Stupid is as stupid does.”
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Rene A. Henry lives in Seattle and writes on a assortment of topics. A native of Charleston, WV, he is the author of 9 books and his most current, “Customer Services: the cornerstone of good results,” is all about widespread courtesy. The guide is accessible from Amazon as an audio book as nicely as in paperback and on Kindle.