Minnesota Insurance

What do Rod Grams, the right, the senator from Minnesota, never graduated from the university, Mitch McConnell, Kentucky Republican known for his fire breath of the party, Slade Gorton, the pragmatic, tend-to-the Conservative components of Washington State; Joseph I. Lieberman, the new style Democrat of Connecticut, and Daniel Patrick Moynihan, the Senate’s ranking of liberal intellectuals have in common? They are co-sponsors of the car Choice Reform Act, a law this week, so that motorists to give them the right to collect damages and legal für”Schmerz automatic Leiden”im accidents.

Why are these different policies Pack - not to mention Dir Christine Todd Whitman of New Jersey, Ross Perot, former Dir Michael S. Dukakis of Massachusetts, Steve Forbes and Mayor Rudolph W. Giuliani - key to the neck, for one thing the absence of care either Republican or Democratic, driving licence and draws the fire of the evaluation version old bull bar and the consumer movement?

One reason is efficiency. ”Why should people in car crashes not be able, without compensation and pay for a lawyer, suffering and often years of litigation?”Claimed Senator Lieberman.

But most importantly, it is money. No pressure of money, but $ 45 billion that the Joint Economic Committee of Congress estimates motorists could save each year as part of self-Choice Reform Act “agreed if they would agree to waive their rights to bring pain and suffering.

It offers”all means class tax cut,’’suggested Michael Horowitz, director of the Hudson Institute’s Project for Civil Justice Reform,”and would not increase the deficit by a nickel.”

The average premium automobile insurance ran up $ 757 for the year 1995, yet more than half in 1987. But those who need to offset most of the few get it. A 1991 survey by the RAND Corporation, the Institute of Civil Law that victims of auto accidents where damage from $ 25000 to $ 100000, on average, received about 50 cents of each dollar lost. The losses of more than $ 100000 allowances 9 cents on the dollar.

For decades, legal reformers’ answer to this perverse combination of high insurance premiums and insecurity for payments suffered a short-circuit the judicial authorities. To this end, it pressed, told not to go Fehler””Rechtsvorschriften ensure the swift of their own insurance companies and limiting access to justice those who were seriously injured.

But with the big exception of Michigan, non-guilt has not worked well because the injury suffered by lawyers have succeeded in eliminating the obstacles in the courts. Worse, the barriers have served as an incentive to pile up in the cooperative orthopedists chiropractor and show that the injuries were indeed difficult.

Most Americans grimacer capitalized and controls on auto insurance every six months. But many others, especially urban low-income motorists have reacted in a car without insurance.

Efforts to strengthen a no-fault - or, more radically, to eliminate incentives to bring the barrier Intangible all rights to compensation for pain and suffering - have again been struck by a powerful coalition of injury by consumers and lawyers defending the leadership of Ralph Nader. The injury suffered by lawyers motivation is obvious. Consumer groups, back from each stage of free access to justice as a step toward unbridled corporate power.

This is where automation Wahl””passt in The idea of Mr Horowitz and Jeffrey O’Connell of the University of Virginia Law School, it would allow motorists the right to complain, as usual, insofar as they are willing to pay. But those who chose to drop this option would simply buy no-fault protection against economic losses from its own transport companies.

According to Allan Abrahamse and Stephen Carroll captain, the savings are breathtaking. In New York, for example, opting out of the game complain, the average driver $ 417 $ 1146 premium during the year 1997. Low-income New York, disproportionately live in urban areas with a high rate of litigation, reducing their premium income by 54 percent.

Forget the post-mortems on ideological movement, the Republican candidate or revivals took the most money. The legacy of Off-Off-year elections on Tuesday, maybe a little everywhere: Think small.

The questions are, finally, this week continued in the Governor elections - automobile insurance rates in New Jersey and the state tax on vehicles in Virginia - have never been spearheading the States ” of politics. The fact that the main concerns as such, after investigations Voters polls, underscores two realities on the current state of American politics: voters are relatively content, so that elections in these days, they do are not major issues such as unemployment. The space left for issues that are rarely talked about, a few months before the election to mount the head of the political discourse.

The success of the small scholarship issues is a perfect head of the strategy of President Clinton last year, the choice, when he seized a small but highly symbolic issues such as school. It also corresponds to the withdrawal of ideology in the current policy, it is one hour, if both parties are struggling for issues of definition.

”If the economy in difficulty, I do not think we are almost as these issues because they were dominant on Tuesday,’’said Vin Weber, former representative of Minnesota, a prominent conservative. ”The population is very happy at this moment, people can afford it, with these subjects.”

James S. Councillor Gilmore 3d, the Republican, was elected governor of Virginia, said she believes he won by a wide margin unexpectedly on Lieut. Dir Donald S. Beyer Jr., because he actually captured on a subject, with many powerful Virginians: he promised the elimination of the State infamous annual tax on cars and trucks.

In New Jersey, Dir adviser Christine Todd Whitman said Senator James E. Land McGreevey, his Democratic rival, came so close to moving the popular incumbent, because he is also a problem of the anger of ordinary voters: the state, auto insurance rates high.

Politicians and strategists across the country, even the Republicans and Democrats, said yesterday in interviews that if the economy of prisoners and there were no other new hot topics, hunting small hole in question could become a trademark of next year for races Congress and the Governor.

”You have the free choice of a backbone in the saddle,’’said Dir Howard Dean of Vermont, chairman of the Democratic Governors Association. ”And I think Gilmore and McGreevey has done very effectively.”

Mr Dean said he would consult with the Democratic candidate next year, looking for issues that affect voters.

It est”en be different in different countries,”he said. ”It could be rules in Iowa pig farm, an illegal act reform of Alabama and flag Konföderierten South Carolina.”

Dir Tommy G. Thompson, Wisconsin, a Republican, is up next year election, agreed that the victory of Mr. Gilmore insbesondere”war a lesson for all Republicans.”

”You have to understand issues,”Mr. Thompson said that”they can be internalized. A family can understand that if it had to Gilmore they would be reducing their taxes on the car. People can internalize.”

Another attraction of these issues is narrower than Judaism, a populist and can be easily understood by voters. And they meet the needs of policy makers, in these days of the exercise of savings measures, not daring to propose measures of high cost.

It was very hotly contested races on issues that are not on the radar screen in Virginia and New Jersey also underscores a relative voter satisfaction with the status quo. In both countries, exit polls found, voters were satisfied with the state of the economy. And while Mrs. Whitman’s close call, the conclusion is that in New Jersey and Virginia and Staten Island is the special election for the House of Representatives, Republicans maintain the seats.

In New Jersey, has shown the exit polls, nearly nine out of 10 voters said the issue of automobile insurance was important in their choice for Governor. And Mr. McGreevey won the votes of voters in three of four, said the high cost for auto insurance was the No. 1 topic in an interview at his campaign bus the week before the election, Mrs. Whitman said: ”If this is something I could do otherwise, I will again and again, it was, as we decided to address auto insurance very beginning.

First came crèche Corporate Center. So it was concierge services, representatives of workers cleaning service to provide food or against a supplement. Now the virtual surrender Mall, offers all that manual workers automobile insurance with a maximum of 10 per cent, right on their desktops, monitors.

The recent attempt, please workers with little to reproach them, some of the biggest companies try of the nation, shops of all kinds both cheaper and easier for their employees. It is part of an explosion of soft benefits, which, unlike the hard addition to the benefits of health insurance and pensions, cost employers almost nothing.

With unemployment a 29-year low and people work longer, the leaders see the programs as a means to repeal the morale of workers. They will also as workers, their purchases in cyberspace spend less time ducking the office of races to run. At least, Susan R. Cold, Senior Human Resource Manager at Microsoft, said:”It is not necessary for all employees spend their free time to discover what to do - is an easy decision to make. ”

This was driven by Lisa Rose, works on recruitment and training of Sylvan Learning Systems, a training company in Baltimore. When she is part of tenders, they listed on the website of Sylvan bought and health insurance for their 6 months Labrador, Ewing, is named after the New York Knicks center who vergöttert her husband. The cost of $ 16 per month, deducted from their cheque settlement.

They also bought roadside checks insurance covers towing, locksmith service and travel planning for $ 4.16 per month, tracasse not compare prices with insurers AAA. ”It was so easy for me to sign, and for that I am not to pay another bill every month,’’she said.

The trend has resumed in recent weeks, with Corporate giants such as Allied Signal, Hallmark Cards, electricity and Northern Northwest Airlines connects the internal Web pages on which the virtual shopping malls selling everything that Hickory Farms sausage Long distance MCI Worldcom. The pioneers of these plans include Minnesota Mining and Manufacturing, Blue Cross / Blue Shield, Boeing and Microsoft.

”It is also difficult to win the staff and maintaining page is increasingly difficult,’’said Joe Demarte, Vice President for Human Resources North electricity, the chain store, which employs 40000 people. The discounts are the latest addition to a package includes benefits for suspecting that advice and discounts on legal services.

The virtual shopping malls are an Internet era remake of the old company discount card, that employees free tickets to an amusement park nearby a few dollars or an increase in the flower business premises. The World Wide Web, but can be used in satellite offices to benefit from discounts. It also enables employers to negotiate is a lot for a wide range of products, including expensive items, like insurance and mortgages.

The Internet cuts are part of a broad movement toward offering more benefits to calm warm load of workers. In 1994 for example, only 8 percent of companies, automobile insurance available to workers with a plan sponsored by the manufacturer. Next year, the proportion is expected to increase by 35 per cent, by Hewitt Associates, a management consulting company in Illinois.

The virtual shopping malls are usually Internet start-ups, alongside the employer itself nothing for the service and password-protected to build ties intranet sites, say, toysrus.com. In consideration of what constitutes advertising on the Web site and in brochures about our company described the program, distributors then offer the 5 percent to 10 percent discount and pay a few percentage points each on sale Internet.

The trend is also creating a new position of e-commerce. Employeesavings.com obtained a $ 5 million investment this year by Benchmark Capital, previously funded by eBay and Webvan. In early 2000, said employeesavings its plans for coverage of two million people. More Awards, which sells only financial products, expects its annual turnover more than doubled to $ 9 million this year, because it is an increase in their workforce by 25 per cent per quarter.

The insurance companies, long accustomed to the system spotlight, is called into question many fronts, consumer groups and government officials. Frustrated by a strong and increased restrictions on the scope, they are seeking a greater say in what insurers costs, to take what they have to pay and how they invest their money.

“We stayed at the turn off and then turn in this country, if the insurance supervisory authorities have been more aggressive,” said Michael A. Frinquelli, Salomon Brothers insurance analyst. “But I can never forget one time when Ralph Naders of the world insurance as such an interesting topic.

In Arizona, residents, in coordination Tuesday, a proposal to reduce automobile insurance rates by 20 per cent to require insurers offer a discount of 10 per cent people of good conduct and the bar by insurers rates are based on age or the driver of the neighbourhood. Fat test

In California and Maryland, courts have heard cases in which insurers asked to pay large sums to cover the losses of credit they covered. In Minnesota, the state Supreme Court by the insurer to pay cleanup costs related to pollution by the Corporation Tonka after a fierce dispute over whether the insurance company covered the police clearance Who committed themselves voluntarily and not as mandatory.

Congress has taken action on abuses in Medigap policies, which are intended to meet the costs not covered by the disease, and to consider submitting a bill to the insurance arrangements for the first time in half a century. The state and federal officials will also discuss limiting insurers’ investments in “junk bonds”, and most experts believe some such restrictions may be adopted. A public services

If the Americans spent a laissez-faire vis-à-vis the insurance sector, many of the end, as for most local public services of the company subject to strong regulation. Critics of the industry indicate that many types of reports are excessively expensive, that insurers may withdraw certain types of coverage and that some insurers, investments are too risky.

“Many people have problems on one point or another with insurers - is too pay premiums or problems, the perception of a right,” said Joseph Belth, insurance Indiana University Professor, often criticized the sector.

But industry leaders and the free market economy supporters argue that courts Financial civil society, if disturbed, either by limiting investment options, requires insurers to make payments or unforeseen banning insurers on a comparison, the expected losses and discuss rates. Insurers invest heavily in the campaigns against such an intervention by both houses of work and cooperation with its detractors in an attempt to peak, more stringent rules. Political action committees insurance are among the leaders in campaign contributions. Common Cause, the public interest lobby, said that from 1983 to 1988, insurers’ groups have more candidates than any other industry, except banking and energy.

To industry experts cite at least three reasons for widespread efforts trains action by the insurer. First, the costs. The premiums that individuals pay for all types of insurance have jumped 81 percent to 475 million dollars during the last year of $ 263 million in 1982, after the Information System Insurance Institute, a group of trade. In comparison, prices rose a total of 29.4 per cent during this period and Take-Home Pay increased by 58.5 per cent. If the nature of a fee

“The assurance came, seems like a tax,” said Richard H. Instead, a CEO of Chubb & Son, major damage and accident insurer.

Secondly, experts say that recent announcements of losses or gains sharply lower led to what the concerns that the insurance industry, may be the way in the direction of savings and credit industry. Problems with the obligations risky revealed last spring by Premier Executive Corporation, and the problems of real estate reported last month by the traveler Corporation, are among the signs of a general weakening among insurers.

Growth in the number of uninsured drivers cause serious accidents, insurance and pushes up the responsibility to repay their victims.

Hit the big cities hardest

In 19 states the increase in these types of accidents in the field of more than 50 percent to 220 percent. The main problems are occurring in major cities, officials said. In Los Angeles, for uninsured drivers, that almost one of four accidents with injuries. At Philadelphia, Denver and Miami, which is a number to three.

”This is a very serious situation for the country,’’said David N. Levinson, Delaware’s Commissioner of Insurance. ”Our opinion polls indicate that people over exciting on uninsured drivers than any other problem that we have indicated, including taxes.”He said that one third of 540000 vehicles in the state, is not guaranteed and that all claims, uninsured drivers has increased by $ 200000 in 1978 to $ 10 million in 1988, the latest year for which figures were available.

Many states, including New York, New Jersey and Connecticut, require drivers to ensure the physical integrity against damage caused by Hit and Run accident or car accidents with driver, the drive illegally without insurance.

Experts say the growth of insurance premiums is at least partially responsible for increasing the number of uninsured drivers. ”The number of uninsured vehicles has increased more rapidly in some areas where insurance costs have risen faster,’’said David L. Unnewehr, Research Director at Insurance Research Council, a professional association, as has recently analyzed data accident, which claimed, uninsured drivers from 1976 to 1986.

New York fares well

Drivers uninsured in New York City caused 8.5 percent of all serious accidents on the lowest percentage of 15 cities studied by the Council in 1986. ”New York by the law of insurance is a bit more than other states, “said Unnewehr”,” but we did not get real deep into the reasons for New York had a lower percentage than in other cities.”His study found that the number of serious accidents by drivers who are not policyholders in the state, was half the national average, while the number of accidents almost tripled to 6.3 percent in 1986, 2.3 per cent in 1976.

Other states also have at least a doubling in the number of serious accidents by uninsured drivers were Idaho, North Carolina, Tennessee, Wyoming, Delaware, Georgia, Minnesota, Mississippi, North Dakota, Colorado and Utah .

The rate clamor on the assurances of PA and requested a dozen other states for the implementation of compulsory motor insurance laws in the past 12 months.

Assekuranz debt

But Mr. Levinson and say that almost all supporters of the implementation of new efforts are inadequate, and they throw the insurance industry to block the implementation of stricter measures. They complain that the content industry in terms of cost recovery, the nation’s total auto insurance from a pool of reduced customer as a means of reducing administrative costs and profits.

”The industry would rather collect $ 750 of you, $ 750 by myself and not a Dead Beat, not insurance,’’said Levinson. ”The industry can not win by collecting $ 500 by you, me $ 500 and $ 500 from another man, it is $ 1500.”

Assekuranz spokesman confirms that businesses against auto insurance mandatory certain laws and the strict implementation of measures proposed by States, but they say that companies are consumers of this page on these issues. ”The industry is not able to say, someone must buy insurance, they will have their children before flows,’’said Nagel Shirley Schmidt, a spokesman for the Alliance of American Insurers, a trade group.

Mr. Levinson complained that the insurance sector had violently against the legislation in Delaware in the spring, which requires owners of automobile color, add the labels on the windshield as proof that it had paid for ‘insurance. ”I’ve never seen a lobby as the work effort in my life,”Mr. Levinson, rejected the proposal.

Ms. Schmidt Nagel, said the sector had legislation against the labels, because the procedure would be inconvenience, consumers and increase costs. ”It sent a quantity of paperwork she 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. Have you 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, no matter what time. 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 recorded 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 are 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.

Representative Dick Armey, majority leader of the house, he said today the legislation on the net reduction in costs of insurance automatically motorists the option of filing the lid of the pain and suffering that results of accidents.

The initiative is both an unusual movement of Mr. Armey, a Texas Republican, has sponsored, only two other bills during his tenure, and a big lift for the supporters of the option, under the name of automatic selection, we must prove that the political traction.

”The train is finally leaving the station,’’said Michael Horowitz, director of the Hudson Institute’s Project for Civil Justice Reform.

The Senate Commerce Committee hearings is scheduled for a parallel bill sponsored by two Democrats, Senators Daniel Patrick Moynihan of New York and Joseph I. Lieberman of Connecticut, with three Republicans, Senators Mitch McConnell of Kentucky, Rod Grams of Minnesota and Slade Gorton of Washington.

Trial lawyers have already expressed their refusal of adoption, as some consumer groups. ”It would be difficult to nothing for the wounded,’’says Bob Hunter, director of insurance for the Consumer Federation of America. Consumer associations are also claims that the automatic selection would be unfair because it would be access to justice on the basis of a driver’s ability to pay additional premiums.

But supporters say that the automatic selection, incentives for fraud and increase victims prospects for compensation for actual economic losses, even when cutting premiums averaged $ 243 per year each driver, or $ 45 billion in Germany.

”It’s like a tax reduction for low-and middle-income Americans,’’said Armey called estimates, the RAND Corporation, the Institute for Civil Justice show that the savings would be greater pilots urban.

Auto-selection was indigenous to the frustration of failure of systems of insurance, introduced in 1970’s, escalating insurance costs. In the approach is not a mistake, was almost half the country (including New York and New Jersey), injured in car accidents are entitled to health care and lost wages on his own insurance companies, regardless fault. The victims have complained for pain and suffering only if their losses exceed a threshold, often by their doctor bills.

But non-rejection has done little to insurance costs, which rose by 150 percent in 1980, despite the decline in the number of accidents. Indeed, it seems that no two levels of increased costs by creating incentives on the eve of the doctor’s fees, in order to facilitate access to justice. If Massachusetts has increased its threshold to $ 2000 for the year 1989, the median number of visits to the doctor because of the violation of victims has increased from 13 to 30

An alternative, no bullet-proof laws of debt, in which victims could only lead to compensation for economic losses, would probably be the most 40 percent of self-insurance costs now under litigation, not need medical care and for payment of pain and Leiden. But the total elimination of claimants the right to a day in court appears many as unfair. So Horowitz and Jeffrey M. O’Connell, a professor at the University of Virginia Law School, helped invent no-fault, it is suggested ,”” disengagement of self-assurance standard package.

Pilot ready to renounce claims, pain and suffering, in return, reducing premiums can be severe for no-fault, while others would also act bezahlen”unerlaubter maintenance coverage.” A driver coverage, wrongful act is injured by a driver with not only - defects that could collect pain and suffering of his indemnity insurance policyholders how the victims are compensated for damage caused by drivers not policyholders.

George Bush supports federal law, Member States, this choice driver during the presidential campaign of 1992, as Bob Dole in 1996. And a diverse group of politicians, Dir Republicans such as John Engler of Michigan and Mayor Rudolph W. Giuliani: St. Michael Dukakis, former governor of Massachusetts and Democratic presidential candidates took to the cause. But with the exception of State Farm, the insurance industry has always distant. And until now, the pressure of lawyers has been able to brush aside automatic selection initiatives: a car in California electoral ballot initiative was defeated this year, Dir and Christine Todd Whitman was forced to make their own automatic choice of a bill without a vote at the New Jersey Legislature.

A coalition of groups representing lawyers, doctors and consumers in court charged yesterday that new no-fault auto insurance state of New York has recently adopted benefits insurance companies and unfair to punish the victims .

The new rules, the number of days that he has violated, to report an insurance company, that 30 of 90 It may also reduce the number of days that doctors are required to submit applications for treatment on the fact that 45 out of 180

The coalition has in its memory, records of the Supreme Court of the State in Manhattan, that strict deadlines would be fair to many victims and doctors were payments they are entitled. The État’s Insurance Department, but said that the new deadlines, to protect all car owners, because the old borders, insofar as greater opportunity for fraudsters approach, as premiums increase.

The new rules, the entry into force on February 1, extensions allow an applicant if legt”klare and für”fehlt justify reasonable time limit.

But David B. Golomb, president of the New York State Trial Lawyers Association, one of the complainants, said in an interview that the insurers themselves, was”klar and reasonable,”and he felt that the company did not trustworthy enough on the standard.

A spokesman for the insurance sector Department, Allison Klimerman not agree. She said that the Division of the measures and undertakings fines or other disciplinary measures against those who are not applying the standard rate of law.

The coalition said the 30-day period for registration was the victim shortest in the country. Mr. Golomb said that in Kansas, Kentucky and North Dakota, for example, the period of two years, and in the states of Michigan and Minnesota, it was six months to one year. If no error insurance was in New York in 1970’s, the notification period was a year later reduced to 90 days, he said.

The no-fault in the self-determination of insurance policies in New York is to guarantee payments for medical care and lost wages for car accidents, where a victim injuries are not serious. Only seriously wounded May, a complaint.

The new rules also make it difficult for victims, do not respect the deadline for obtaining information useful for action, they are entitled to another file, “said Golomb.

It is not unusual for lawyers against the laws or regulations, they believe, would reduce complaints, but the New York Public Interest Research Group also denounced the new rules to join the suit.

”This change is not really helped, insurers, in order to fight against fraud,’’said Andy Goldberg, a lawyer Nypirg,”but it is to ensure that New Yorkers filing claims, while promoting insurance benefits. ” ‘

The applicants consider that a person whose injuries were serious enough to prevent the supply of him having regard to the insurance company within 30 days - for example, a pedestrian, was not in a position to know what insurance companies drivers - würde”Gesicht Denial-of - all services.”would be the victim of an accident is not familiar with the new deadlines to check, he said in court documents.

She added that doctors only 45 days for damages Datei”ist simply too short for many medical practices and billing companies.”

Ms. Klimerman said registration and reducing claim filing deadlines would suchen””früher insurers on salaries, reducing the Internet offers the possibility of unnecessary diagnostic tests and treatments.

Workers’ compensation and auto insurance, two systems extensive use of private insurance, which represent more than 40 billion dollars in the health sector bills each year, presenting the President’s Task Force on National Health Care Reform diabolical with a dilemma.

For people wounded “on the job” or car accidents, it is Workers’ Compensation Fee or auto insurance bills that their doctor, not default on their public health policy.

If the Chairman of the Task Force, these two types of insurance in a federal program to train the work of health care costs, it is the health of complex changes. It may also anger lawyers, doctors, unions and insurers, in those systems, and to instruct their active opposition of the entire programme. In addition, President Clinton could ask Congress for regulation in areas historically by states. Quick access to higher costs

But if auto insurance and Workers’ Compensation are excluded from any universal health care plan, the main sectors of public health would be spared. The medical costs of Workers’ Compensation and auto insurers have increased even faster than health care spending in general.

Indeed, given that the checks were more than standard costs of health care for doctor bills Workers’ Compensation jumped. As long as the proceedings in an insurance system, doctors, chiropractors and hospitals, research easier payments in another.

Anyway, the political stakes are high. Skyrocketing Workers’ Compensation and automobile insurance rates have triggered riots in many countries for consumers and employers must pay the bills.

“There are two nightmares, since I wake up with lately,” said Richard W. Palcznski, Senior Vice President of the Travelers Insurance Company, one of many insurance companies scurrying leaders of the Task Force influence decisions. “One is that Workers’ Compensation is omitted entirely on health reform. The other is that they randomly put in”

Workers’ Compensation is a network of $ 70 billion of the state programs regulated by more than $ 30 billion for medical care, plus lost wages and rehabilitation benefits, workers suffer work in the framework of injury or diseases. With the law, employers are required to pay premiums. From 1970 to 1990, medical expenses under Workers’ Compensation Insurance 1335 percent, compared to 795 percent for health care in general. Workers’ Compensation coverage is most often sold by private companies, although in some countries of public funds managed to sell. Motor insurance is a condition of car ownership in most countries pay more than $ 13 billion per year for medical expenses. From 1987 to 1991, the average medical care right to auto insurance policies has gone up 40 percent of debt in the country without laws, compared to 36 percent of the increase in costs for medical care in general. N cost control

As with other forms of medical insurance, a lack of cost control is seen as the main cause of the increased speed.

Workers’ compensation and auto insurers rarely used procedures to manage care with which insurers to contain costs of treatment. Indeed, in some countries it is illegal for Workers’ Compensation Managed Care insurer never use. And given that injured workers do not pay deductibles or supplements under Workers’ Compensation, they have no reason to hunting and less need for costly care.

Studies of identical services in Minnesota, for example, found that taxes were more than twice the Workers’ Compensation, as default-Blue Cross-political. Thus, as health insurance have split on payments under the standard policy of health care, doctors and hospitals have their bills, if possible, rather liberal payments in the context of other systems.

Mr. Clinton said that the main objective of its programme of health care, control expenditure in the health sector. Among the various ideas for change, many or most Americans are likely to join managed care networks such as health maintenance organizations.

Each day, Gordon Adam, as readers of St. Paul’s homeland to her daughter or her school of Bloomington, Minn., work, a small camera on the dashboard of his Acura Integra all traces.

The gadget, like a little game of cards, records when, how and how far it quickly leads. His wife, Meghan, was the same in their car. If the reader Gordon single level without incident, they can go up to 20 percent of their insurance Progressive automatically with the group. You pay $ 676 every six months to ensure two cars to 6 years, $ 799.

“It works,” Gordon Adam, 42, said. “We have identified 15 to a discount of 20 per cent of what we were before payment, and this is not negligible.”

The program is a means automatically insurers across the country change, as well as prizes. The use of databases and sophisticated statistical formulas Slice and Dice consumers thousands of categories, insurers assess risk, adjust prices and discounts individually to different groups of low-risk customers. The result is however: If you are a good driver, can not be rewarded for the reduction of insurance premiums, if you can pay more.

Progressive’s Trip Sense program aims to encourage good drivers relatively low annual mileage. Gordon Adam, for example, orders or less 10000 miles per year. Progressive says its research shows a strong correlation between low mileage and low accident rate, which is why he tested Sense trip in Minnesota, after two years.

Gordon said that the idea that a camera monitor does not turn him.

“No one’s out, what I do. It is not GPS [Global Positioning System],” said Gordon. “They keep the data relatively harmless. I think that collect data, it is upon me at the end of the day, help me.