They found that the car had Pennsylvania drives, and in the coming months, where they face more and more cars, Pennsylvania, with fake insurance.

The problem was a time, but still about a year and half. Officer of Ferro and his new partner, Officer Michael Ruggiero, said she had more than 40 arrests for auto insurance arglistiger documents in the last 18 months in the area of new Cassel. In the eastern part of Suffolk County, Dale Faro Investigator of the New York State Police said there were at least 20 of these arrests over the past six weeks.

”It is now much more widespread in Long Island, and all jaillie suddenly in the East End in a big march, Faro Investigator”a said. He added that the State Guard was alerted to fraud for insurance cards cars with plates and Pennsylvania to be looking for slabs of Pennsylvania, which has no label on them.

The Investigator Faro, if labels are not on the plate, a cavalry soldier has justified reason to stop the vehicle.

If this is not the expiry date stickers, or if the label or an inscription is forged and not on the necessary hologram on it, the driver was then arrested and may be up to three crimes.

False identity cards of insurance are sold for $ 300 to $ 500, Officer of Ferro, less than half the cost of an insurance policy legitimate.

Some people know exactly what they buy, but others do not, “said Investigator Faro. ”They think they could drive to New York for one year,”he said and added that the authorities see fraudsters North Carolina as well.

Melissa Laughlin, a spokesman for State Farm Insurance, said Fake-card fraud war”ein become a growing problem in Long Island”und”war widespread.”

But nobody knows exactly how widespread the problem. No separate statistics for this type of arrests in Nassau or Suffolk Counties, and a spokesman for the New York State Insurance Department said that statistics relating to insurance fraud were not required for Long Island.

Officer of Ferro, said insurance fraud costs people of New York was millions of dollars. In a car accident two with a pilot insurance fraudulent documents, drivers uninsured portion of self-insurance makes the Settings tab. But Officer of Ferro said that a pedestrian was taken by a car driven by an uninsured motorist, the victim - or his health insurance, if ever - for payment of hospital bills.

Investigator Faro, said false insurance cards can not be produced on computers.

The map”insurance is regarded as a quantity of fake ID’s,”he said. You scannen”in a valid insurance card. Once scanned, they change the information on the computer screen, political figures, data problem, then print any number of Einsen, because the base there. You can use the policy number, date, modify, has issued, change the vehicle identification number, more or less the same as on a false driving licence.”

The link seems PA comes from the fact that a car can be registered without proof of insurance. For a car in New York State, you need a temporary insurance card, the title of the car and identification as a driving licence. Insurance companies issuing policy of the State of New York, but not in Pennsylvania and North Carolina are also required, the Department of Motor Vehicles, if a vehicle is not registered properly insured, or if insurance is in force.

Le”Department of Motor Vehicles automatically suspends the licenses and registration of the car and the driver of the vehicle, which makes it easier for police to implement this part of the vehicle and road transport law, ‘ ‘Officer of Ferro said.

In addition, five have left the state because of the new law, said the commissioner, Constance Foster. She said several large companies like Aetna, had decided to remain, after threatening to leave.

Pennsylvania is observed by insurance companies, regulators and consumer associations around the nation since it became the first major attempt of land for the State responsible for auto insurance pricing system.

The law, which met in February painful opposition by insurers cut premiums cars, representing 10 per cent or 22 per cent. The greatest reduction has been agreed upon insurance, voluntarily limit their ability to transpose the pain and suffering caused by accidents.

Although Californians Rollback a rate of law in 1988 known as Proposition 103, a number of actions it has not appealed. And in Arizona, a referendum that the vote would have had to cut auto-assembly was rejected last month by voters to strong pressures against him by the assurance of the economy.

But for the moment, the insurer of the activity in Pennsylvania, cut their premiums, Setz the lower prices did not place of business. Insurers say they also hope to finally convince the regulatory authorities to higher prices again.

“The law is capable of all businesses are met and consumers save money,” said Ms. Foster, in an interview last week at a conference of insurance executives in New York.

You said that the State Farm Mutual Automobile Insurance Company, the largest auto insurer in Pennsylvania, with 20 percent one hand, it took establish written automoble new policy.

But Ms. Foster said the conference, only some 231 self-insurers in Pennsylvania, if the law had been adopted to consider because of missions. She said, the first 47 insurers refused, with the law, but given that all planes to reduce their premiums.

While insurance companies are respect reductions many, if not most, are unhappy. In Allstate Insurance Company, for example, the fourth largest in the state, with a market share of 11 per cent, Michael Duncan, a spokesperson, there was no justification for the 10 per cent and 22 per cent lower interest rates and said they were “selected at random from political reasons. ”

The Pennsylvania law aims to tie Premium reductions on the amounts of the expected reduction in insurance companies pay rights, mainly medical bills. The law attempts to achieve these savings by limiting what doctors and hospitals, perhaps for the costs of car injuries to 110 percent rates of disease.

Doctors call this aspect of the law unconstitutional and complain there is no more. Insurers say the law has savings, but not close enough to lower interest rates were imposed.

At Farm, Kim Brunner, a spokesman, called 10 and 22 percent figures “, an artificial distinction, which do not reflect savings for insurers. He also noted that the new law makes no attempt to control the an increase in the cost of repairing a car, another major contribution during rising in recent years.

“We see this law is not the same as the Commissioner,” said Brunner. “There are fundamental shortcomings, which must be addressed. Insurers granted relief

According to the tables of Ms. Foster’s Bureau of the premium automobile, Pennsylvania motorists average was 20.1 per cent for those who do not accept the borders in the context of litigation and 7.7 per cent for other policy areas. The reason economies are weaker than the law 22 percent and 10 percent is due to the fact that nearly 100 insurers have been granted partial relief of the new law.

Some insurance companies experts say it is too early to declare that the experiment is a success in Pennsylvania for consumers. These experts say it is possible that insurers losses within the state and a wider that many companies take advantage, once clearly that the law are not repealed.

Rising insurance premiums are a worsening of the country. But something is clearly wrong in New Jersey. It is unclear, debt takes. A path for curbing may come from other countries. Several other countries offer educational models.

Insurers criticized the debt of greed and inefficiency national trends in higher prices. The repair of debt and higher medical costs, attorneys’ fees and jury trials. In New Jersey, they call it, population density, highways and cars, and a high rate of accidents and theft.

435000 car insurance Allstate New Jersey - far more than anyone else. He said he had lost money to them for years. Governor Florio, Allstate said about the accountability is wrong and that the company does well. But this is more a battle of accounting.

New Jersey has a low no-fault insurance law in 1972 that we still have for the cost of transporting people and losses of more than $ 200. Later, reforms even more serious. With time has come Mr. Florio, a state-run company allegedly uninsurable was driving to insurance to half of drivers of State rate artificially low and took an advance of $ 3 billion deficit.

Mr. Florio has a better no-fault law and the judgement of the insurer under public law, but certain conditions, insurers do not like it. For example, premiums should be primarily on a driver was not to these traditional criteria such as age, sex and where the driver is alive.

Michigan is far better than the no-fault law. It requires distinctions generous enough to actual costs. But he can appeal that if a person dies or seriously affected. PA has yet another approach much more promising: consumers have a choice between the least expensive, with a lid over the scarcity of costumes, or more costly and more political freedom latter. Other states - New York among them - are known for effective regulation and fair. Others have problems such as New Jersey’s.

Allstate withdrawal of New Jersey is progressive, it must continue to operate until all new members have their coverage. But the withdrawal of a large insurer, other smaller insurers and perhaps more, said at least that the State must have gains and losses resulting from its new law.

The debt of years losses resulting from their core auto-insurance Allstate said its withdrawal affect insurance, more than 400000 cars New Jersey, nearly 250000 homes, a number of small and medium enterprises and tens of thousands boats, campers and recreational vehicles. It would also mean a loss of 1400 jobs in the state.

Allstate’s announcement by insurance professionals knocked, it was immediately regarded as a challenge to Dir Jim Florio, whose populist message asking lower insurance premiums and reform of New Jersey’s insurance laws has helped wins the State House. Deal seems unlikely

The possibility is that the governor remained of the company and could lead to a political solution, with the increase of certain Allstate in return for permission to remain in New Jersey, but Mr. Florio tone of yesterday are likely.

“We would have given Allstate in New Jersey by the agreement on 28 percent wanted to increase our free riders,” he said. “This is not fair, and we leave we do not agree to sing.”

Allstate According to lawyers, who represent nearly 500 pounds of documents to the Division of Insurance public enterprises withdrawal plans, the governor said in a statement: “If I grew up in Brooklyn, there was always a type who would say that if you’re not playing, its rules would benefit from its racquets and balls and at home. If this is an insurance company wants to do, we are not yet out commitment to fairness for the driver and a reasonable price. ”

It therefore seemed likely that Allstate would have left New Jersey. Consumers would not be left high and dry, but because state law requires, Allstate safe alternative to cover its customers, but it was widely recognized that the withdrawal of a company as important as the uncertainty would be more like a car insurance market already in upheaval. Price among the highest

Prices for auto insurance in New Jersey are among the highest in the nation, a typical family to pay $ 1074 per year for the supply of commodities, compared to $ 798 in New York, Pennsylvania, $ 719 and $ 555 per year in Illinois. In addition to the high level, New Jersey’s state-run insurance company for motorists driving questionable data has a rate of 3 billion deficit. In addition, Governor Florio has recently signed a law that would automatically insurers to accept virtually all candidates.

Faced with this law, and with restrictions limiting their ability to issue premiums based on age, family status and zip code, municipality, as elsewhere, a number of other auto insurers, much smaller than Allstate For the records of permits to leave New Jersey.

State Farm, instead of No. 2 in New Jersey, it is necessary to limit his participation in the bankruptcy of the state bailout guided insurance company. State Farm, the establishment of a new car insurance operating in New Jersey, which would be far less than the provisions of exploitation.

The reductions in New Jersey are part of a much larger trend. Insurers were Germany seeks to scale back the coverage, unlike before losses, traceability can be almost exclusively on anxiety and regulation. South Carolina, California, Massachusetts and Pennsylvania are just a few examples of the USA saw that insurers Pull up games. And promoters attended some of the biggest names in the industry: Aetna, travellers, Cigna, Hartford, Crum & Forster.

While each company has its activities treated differently - some have withdrawn completely, others have in certain lines of insurance in some countries - their basis point is the same: The insurers argue that the state’s regulatory , Particularly with regard to auto insurance, prevents the collection of them large enough premiums to cover claims and Overhead and generate an adequate return.

The new regulations, with effect from 1st January 1993, it is also require that businesses with less weight on the geographical location of the property prices and lists the factors must be taken when setting their rates.

Firing the latest blow in a bitter, protracted war with insurance companies, Jim Berzok, a spokesman for the State Insurance Department, said the company is a summary of the provisions of this week. They were released in early January but was delayed while the state is reviewing the objections of the industry.

Insurance Commmissioner Samuel S. Fortunato, has been struggling with insurers for two years, has insisted that prices are based on demographic factors in the industry for 60 years, is not acceptable in the computer age.

In testimony before the Committee on Senate last week, he said to emphasize the new rules of conduct of each record, rather as a “group of properties” as a set of determinants.

Ronald Krauss, Vice President of the American Insurance Association, an association which is headquartered in New York, said the insurer against the rules to eliminate as age, sex and family status as predictors the performance of conduct steals light of experience gained over the decades. “Year after year, and the state of their state,” he said, “they provide risk are reliable.”

Mr. Krauss said that insurance companies take into account other factors, but not exclusively on them when setting prices.

These are the factors, New Jersey, insurers use when setting the exchange rate:

* A motorist grasp the changes, including points of injuries and accidents error.

* A driver experience.

* The number of kilo-meters, a motorist driving each year.

* The brand and model of the car.

Mr. Krauss and others in the insurance industry claim that the new guidelines will not lower tax rates, but only move around costs. He said that young women, for example, would pay higher premiums because their age and sex can not be taken into account when setting prices. Insurance actuaries say that while the loophole, young women are still less likely to be involved in accidents than young men. A request for revision

Changes in regulations have been Dir Jim Florio’s Fair Automobile Insurance Reform Act, “by the legislature in 1990.

The proposed rules, insurance companies in January to such an avalanche of protests and numerous calls for revision, the insurance division agreed on a final check before the regulations were approved.

Several other states have a mandate the elimination of age, sex and family situation as a whole Determinierer, but did not go as far as the proposal of New Jersey, said Krauss.

“No State has angered to release all three - age, sex and family situation - like the region as a factor of decommissioning,” he said. He said, Hawaii, Massachusetts and California had the mandate the elimination of age, sex and family situation, and that Michigan, Pennsylvania and North Carolina had the mission of the elimination of one or two of them. California’s system is challenged in the courts and is the subject of intense consultations fixation.

In New Jersey, the insurer would have allowed driver of a location in determining rates, but its importance would be demoted. Most companies, for example, do you consider the car insurance in Newark a greater risk that insurers in many other parts of the country, because Newark has the highest rate of the Automobile theft in the country.

The new guidelines are the latest development in a struggle for the price of auto insurance in New Jersey. The first big change was the abolition of the State running pool, provided that drivers at high risk, the Joint Underwriting Association.

The insurance pool was to ensure that drivers most at risk, insurance could not get otherwise, but in a point of insurance companies had dumped more than half of the drivers of State will accept the slightest risk to pilots of conventional coverage. This and other shortcomings in the system means that New Jersey’s rate, also a surcharge on most of the insured to pay for the state-Pool, were the highest in the nation during the year 1990, after a survey conducted by the National Association of Insurance Commissioners.

State officials said, 125 motorists have claims over $ 300000. In one case, a New Yorker, owned five luxury cars, including a Rolls-Royce, paid a fine of $ 10000.

Although New Jersey’s average of the annual insurance premium of $ 900 to $ 1000 per vehicle among the highest in the nation, policies in urban areas of neighbouring countries may incur some costs to $ 3600, so that it is attractive for the use of a relative or friend Address in New Jersey for the acquisition of new Jersey to buy plates and insurance, “said Edward J. Dauber, Executive Assistant Attorney General.

Moreover, Connecticut capita annually could avoid paying the tax on cars, the amount to hundreds of dollars to delay expensive model car. Losing money pools

“We believe that the use of our insurance system Out-of-State residents adds approximately $ 100 on premiums for drivers of New Jersey,” said Dauber. He said, another study estimates that rights of motorists State false accounts based on residency for $ 400 million to 600 million total of $ 3 billion deficit in the common law of Underwriting Association and its successor, the market Transition Facility.

The actions against the Out-of-State-drivers was more difficult after the coup Insurance Fraud Prevention Act in January clearly stated erroneously that New Jersey, an address is an offence, regardless of whether the driver files more and more insurance. In the past, the State had to wait for a request was before he could file under the accusation that normally a $ 200 fine, “said Louis Parisi, director of fraud prevention Insurance for the New Jersey Department of Insurance.

According to the amended law, a car, the driver faces a fine of up to $ 5000 for a first offence, $ 10000 for a second and $ 15000 for a third. In addition, motorists to pay the insurance premiums are to avoid the misapplication of legal costs and could be forced to return to each type of insurance, they are entitled to receive payments. Mr. Dauber said the State expected to receive an average of $ 30000 for each of the defendants in which the civil action. “Make It dearly”

Mr. Dauber said that thousands of motorists were still illegally Register purchase of cars and insurance in New Jersey and that a task force would continue to insist court complaints against them.

New Jersey is the first state in the country to allow civil and costumes for insurance fraud, “said Parisi. “Motorists, submitting false information to circumvent insurance premiums are stolen,” he said. “Our intention is that this is very costly for them in the game.”

Mr. Parisi said he had heard that a lot of Out-of-State motorists were food office space get rid of automobile insurance of their recordings, New Jersey and buy insurance, where they live, as news about the tough approach has spread.

All the accused in the case of civil law under way in Superior Court here were found by rights insurance. Mr. Parisi said that while the rate of fraudsters come with an address in New Jersey, they did not care paper to create a legitimate way of residence. “You do not have a vote, no records on property taxes or Utility bills,” he said. An employee a little more clear as an address. Others have rented a mailbox and all investigators had to do was follow the e-mail to tenants of the Out-of-State address. Block Philadelphia

The insurance division was also successful implementation of the “sweeps” of urban areas, seeking plates from New Jersey. “If you with our plates of cars parked on a street in New York, the words” parking for residents and cars residence with terminal label, you’ve probably something, “he said.” We found a plumber to Brooklyn, was New Jersey plates on his truck passengers.

Some insurance companies and lawyers process hate the idea that it is too easy “out-of-control rising insurance costs and the huge problem of uninsured drivers.

Environmentalists have high hopes that the concept will catch up, here and across the country, as they say, it increases the price of the conduct of its costs, more precisely, which is to discourage the traffic.

State Senator Art Torres of Los Angeles, a Democrat, head of the Senate, insurance, patent rights and corporate capital committee, said he would “pay-at-the-pump” legislation requires a fuel surcharge of 30 cents per gallon, as well as vehicle registration services are booking fees. The basic plan, insurance for all drivers, even if people, their own expensive cars would probably choose to buy additional coverage to private property, which would be authorized under the plan. Addressing uninsured drivers

The proposal by rear-men say, there will be a crisis of auto insurance in California, which has a higher rate of automobile insurance in the nation. As long as 6 million from the state 20 million motorists are not insured, driving illegally because of costs.

The new plan is a book, “auto insurance alarm” (Simon & Schuster Simon & Schuster, 1993), by Andrew Tobias, a financial columnist for Time Magazine. The current system is unfair and terrible terrible waste ” he said in an interview. “This plan would, far from all sales, far from the hotel to all lawyers and not the requirement of uninsured drivers. I think that’s a powerful concept.”

Proponents say that the new concept is also billions of dollars in waste disposal. The California Department of Insurance, said 44 cents of every dollar on insurance premiums for losses actually paid as medical care, lost wages and repairs. According to the proposed plan that will strengthen to 72 cents of every premium dollar, the Division estimates.

The proposal has the support of the National Insurance Commission John Garamendi, estimates, California is it save drivers $ 4 billion per year, the average amount of reduction, the driver of a car going on in auto insurance a third. Although prices vary depending on a variety of factors, the average driver 30 years without injury now pay about $ 556 per year for basic coverage. Under the plan, as a driver to pay $ 311, the insurance division said. Support groups of consumers

Some consumer groups and environmental groups have also approved the plan, praised its simplicity and its potential to lead the roads and reducing air pollution through economic incentives for people to reduce their driving time and kraftstoffsparende passage to vehicles.

But the resistance against the plan of an alliance between insurance companies and trial lawyers. They characterized the idea unfair, unrealistic and full of questions unanswered.

The pay-at-the-pump is not a new idea. Maryland that such a plan in the year 1972. Legislation has been at the meeting of 1975 in California, but failed. Unlike the current proposal that we have not for insurance protection whatever the pilot who was a fault in an accident.

Under the “no fault” Determination of the new plan, insurance, a ban on use of pain and suffering, to 100 per cent coverage of medical expenses up to $ 25000 for lost wages and $ 5000 on the coverage rate of collision. An additional coverage could be purchased in private.

Even if other states, including New York, currently have forms of “no-fault” insurance, they allow complaints for damages in a certain severity of damage or if more than a certain limit. In Connecticut, which aa no-fault state, actions are allowed when the damage exceeds $ 400. Reserved on the proposal

New Jersey also has the highest auto insurance in the nation. But most experts say a pay-at-the-pump plan, it would be impractical, if not all neighbouring countries also had such programs, because it would be too easy for motorists driving in New York, Pennsylvania and Delaware or buy fuel without additional fees.

My daughter has just moved south from the suburbs of New Jersey to suburban Philadelphia. The citation of a policy of Pennsylvania is $ 3000 per year. Politics is the same as its policy of New Jersey on the Joint Underwriting Association, for which it pays an annual premium of $ 1400. It has no other choice in Pennsylvania to reduce their premium.

My sister-in-law works at an insurance office of coal in the northeastern region semi confirms my daughter experience. My sister in law also stipulates that companies have extracted the State and other companies have written several new policies.

Representative Jim Courter’s Aug. 14 opinion page articles, des”Auto Insurance: A Better Way,”focuses on the common Underwriting Association’s Mega-Bock-deficit and calls for an equal corporate behemoths and a club even more fraught with the implementation against the owners of 400000 uninsured vehicles, obey the law.

Mr. Courter and most of those in this debate are a problem much ignore everything that falls from the top, because it is to preserve the integrity of the entire legal process and fundamental rights of a major class citizens of New Jersey, ie., Those who would obey the law, but they are prevented so, the government itself

For example, a case of detention, the last point, it is an obscure JUA Directive (P88-22), discriminatory and tougher on his face and in the application. Only one of its injustices, is included the refusal of the JUA to cover cars in possession of students, during the visit Out-of-state schools.

On 28 June, a young resident of New Jersey owning a car, which insured under JUA, recorded and monitored. He uses it to the class of a college in Pennsylvania.

On June 28 began the process of renewal of its compliance with the law. He appeared in the office of his institution acted for the JUA to obtain a new insurance ID card. Renewal premium was paid a month ago.

It has been said, his insurance was cancelled two months ago. Wrong. He told it was at that time, is not assured of the JUA False. He did not receive insurance ID or other evidence as to cover prescribed by law, if the insurance in force.

Three options were: Make sure you save automobile and Pennsylvania. Unacceptable, but could not be reached on June 30 anyway. Ensure the 1971 Volkswagen Beetle as a commercial vehicle. Citation could not be achieved by June 30, when he was, it turned out that twice the premium. Holders of a parent. He began this process, but the Department of Motor Vehicles refused a transfer without a duplicate certificate of titles that have never demanded of him. Government’s delay in making more than a month. On July 8 reasoned, he fully compatible with the law, had tried to continue to ensure compliance, but had been rejected by the State itself and had done everything to ensure compliance. He despised and put under house arrest for a day on board. Result: Triple course driving a uninsured, and not uninspected vehicle.

Later, on July 8, the JUA has received the termination letter. Effective Date: July 15; evidence that was provided on compliance with the main appointment in June, 28-30. It records quickly his car on his behalf on July 8 and was inspected on July 9.

But there is more duplicity of the government itself in the 8th July denounced. Date effective withdrawal of Omis 15th of July, a 30-day period of notice required by law and rear. Some, not residing in New Jersey - even under false JUA integrated strategies. Some right to call: call is a mirage. Stay on denunciation, if an appeal. Wrong. And if an accident took between July 15 and the discovery stay deception, the JUA has refused coverage.

If the precedents have been made to the police and prosecutors with the judicial police (municipal court style euphemism), the answer was: Tough. Read sentencing statutes.

If the government plays around with his life obedient citizens, lies in the process, we have serious things, it is urgent to remedy. Before New Jersey spends more than one ounce of energy tougher punishment of those Zukunft”oder”ungehorsam probably also on the cardio-rending concern for equity for Goliath Inc., must be made available to all property State Reform of all executive, statuatory, judicial and administrative procedures and substance of the procedure necessary to ensure that those who do not want a right to do so. Fundamental fairness (due process) on each of us does not require less. The urgency of these reforms is particularly acute when, as in the case detailed, our youth are involved. For most vehicles are laws and procedures of the first and I hope that their only exposure in relation to judicial proceedings. Your compliance with the law, either increase or cause irreparable damage to their experiences.

It is a matter of time for the holiday season approach and particular urgency for many consumers who consider the e-mail, I got after a last column that touted the benefits.

Some readers have said, they talked, in a rental car Company reports by agents of arrivals issued dire warnings beyond the borders of the insurance offered by credit card issuers such as Visa, MasterCard, Discover and American Express.

In some cases, officers also caution against employers on their own rules, it can be costly to anyone refuses voluntary insurance for the protection and has the misfortune to reside in an accident. For example, some companies free tenants for loss of use “of a vehicle during the repair work are underway.