Please watch for the date when this bill (to be out of committee before 3/19) will be heard in the TRANSPORTATION committee and plan to attend the hearing to OPPOSE IT.
Follow information for this bill on its DOCKET PAGE.
Please let the TRANSPORTATION COMMITTEE and all your legislators know you are OPPOSED TO THIS BILL and spread the word to your fellow auto industry workers.
I didn't know that you could legally register a vehicle anywhere in the states without liability coverage. I looked it up and it appears that Tennessee, Wisconsin and New Hampshire are the only states that don't require it. I guess if you like to roll the dice...
Being that I am not far from NH and live in a state that is required to carry insurance you are completely covered if I smash your truck to bits.
However, if you hit me, I'm S.O.L.
If you promise not to drive out of NH or anywhere close to an out of state vehicle, I'll support your bill
Oh, keep in mind that if you don't have insurance and you get into an accident, you can have your wages and everything else you own garnished in a court of law. Is it worth the rest of your life to avoid paying a few hundred $$$ /yr.?
Being that I am not far from NH and live in a state that is required to carry insurance you are completely covered if I smash your truck to bits.
However, if you hit me, I'm S.O.L.
If you promise not to drive out of NH or anywhere close to an out of state vehicle, I'll support your bill
Oh, keep in mind that if you don't have insurance and you get into an accident, you can have your wages and everything else you own garnished in a court of law. Is it worth the rest of your life to avoid paying a few hundred $$$ /yr.?
+1 from me
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+1 From me. I have been hit by 2 uninsured drivers now. I will call and support the bill. I had to pay my deductable PLUS my monthly insurance charges for what? So these 2 a$$hats can get off scott free? I think not. What is it with people now? What makes them so much better that they dont have to pay for insurance and I do? This kind of crap pisses me off to no extent.....not to mention that this kind of stuff causes insurance rates to rise nation wide..... on another hand.....why in the he!! dont you guys get on board with the rest of the country in this already. If you hit me and dont have insurace and hurt one of my family members, I'll just own your house and your truck......heck the spare parts should at least cover my deductable......
Insurance is not mandatory in New Hampshire? Unbelievable. Armed with this knowledge it is the duty of law abiding citizens to report uninsured drivers (anyone with a New Hampshire license plate) to the police. Can you imagine how hard it would be to drive anywhere with Hew Hampshire license plates because you keep getting pulled over for an insurance verification?
Think of all those vacationers in Florida with New Hampshire license plates. Boy am I going to have fun the rest of this vacation.
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As I live in NH and in the town where these two legislative dopes reside, I can answer a few of the questions and half truths posted thus far.
First, I am not a proponent for not being insured. However, everyone one in NH who has auto insurance automatically has uninsured/underinsured coverage. Most other states have the same coverage (it used to be called extra-territorial coverage in nh). Also, anyone who owns a vehicle with a lien against it are required to have insurance (including collision coverage) by the lending institution. So, this problem is focussed on the smaller population of older, unencumbered vehicles of which a small segment are uninsured.
SO, these two husband / wife legislative dopes want 95% of the vehicle owners in NH to pay substantially higher premiums for the few idiots that drive without insurance. Now there's an effect cost/benefit model!
The argument against compulsory insurance is price competitiveness. For example, insuring a vehicle in Mass. typically costs 2-3 times what it costs in NH with no points against your license.
NH law requires people who choose not to procure insurance to be able to post a bond against a minimum of $50K in assets in the event of a liability claim (the minimal liability insurance limit is $50K in nh). With that being said, there are people driving around w/o insurace because no one is checking.
NOBODY should drive w/o some level of liability coverage. And if you are found liable for damages and don't have insurance - the poster is correct, you will pay for a long time. IF you are hit by a NH vehicle and there is a question that there is no liability insurance, you can insist the police impound the vehicle until there is proof of insurance is provided.
A family member was hit by an uninsured nh vehicle recently and they DID NOT have to pay the deductible whatsoever.
A reaction to being hit and getting hosed by an insurance company for the deductible is understandable, but IF you want to support the bill and it gets passed - there should be no whining when you premiums go up. The cost of deductibles (if you wish to pay the deductible) over the comparative cost of premium increases over your driving life will pale in comparison.
Bottom line - if it ain't broke, don't try to fix it! this is feel good legislation that have little if any real upside benefit.
Incidentally, I know people driving around in Mass. that do not have insurance so the compulsory model isn't perfect to achieve the goal of 100% compliance. It only achieved higher costs.
NH law requires people who choose not to procure insurance to be able to post a bond against a minimum of $50K in assets in the event of a liability claim (the minimal liability insurance limit is $50K in nh). With that being said, there are people driving around w/o insurace because no one is checking.
Anyone who can post 50K in bonds can afford insurance, bottom line is that they dont want to. I dont think your rates will go up, they should go down because there will now be competition between companies to insure more people. I pay some of the highest rates in the entire US and have been hit twice up here by uninsured drivers. The damage to my vehicle was over 6 times what their vehicle was worth. On top of that they didnt even have a drivers license. It is a whole "Law doesnt apply to me" mentality. People know they should have it, they just dont want to pay for it. Just like the people who sit on their a$$ collecting welfare. They know they should work, but why should they when the money is free.....
I agree people who don't have insurance because they don't want to and are trying to get away with it. However the risk getting into an accident is: Compulsory high-risk insurance @ $$$$ 3-4K/yr for 5-6 years, Insuring your license for personal liability and a payment plan to the insurance provider that sustained the loss by your actions. There are dopes out there that think they can beat the system.
I disagree with the notion a captive market equates to lower lower prices - that goes against any real-world pricing model simply because mandatory anything eliminates choice because providers WILL increase prices - ya will have absolutely no where to go..... ergo no consumer choice = higher product cost. Why would any business refrain from price increases when they don't have to - especially since most insurance companies have sustained massive losses in recent years. Again, ya have only to look toward Mass, is a prime example of the cost of compulsory insurance has on pricing.
$30/yr for uninsured motorist coverage is a lot CHEAPER than paying 2-3 times higher premiums! Just thin about it - IF uninsured motorist liabilities was such a BIG issue for insurers conducting business in NH - that coverage would not be only $30/year. The cost would in fact reflect the risk to the insurers? The insurance model IS NOT broken in NH. The root of the argument, it appears, is some people are having heart burn over the the thought of someone getting away with something.
NH Proposes Mandatory Insurance!
Re: NH Proposes Mandatory Insurance!
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