Auto Insurance

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More Auto Insurance Cures

With the cost of auto insurance dominating politics in New Jersey, readers have continued to submit their suggestions for reforming the industry. A Moral Failure New Jersey's insurance rates are the highest in the nation because we have a lot of morally bankrupt individuals scamming the system. The scams are both legal and illegal. The industry itself creates an environment in which few people feel any shame because most people feel they themselves have been getting ripped off, so they feel justified in turning a minor fender-bender into a serious accident. The lawyers and the doctors grease the wheels of

Auto Insurance Crash Course; Getting the Best Premiums Is More Complex Than Ever

WHEN Amy Salvatore looked over her auto insurance bill last month, she figured that she could save about $300 a year by eliminating coverage for theft and collision on her 10-year-old Chevy Astro minivan. With a $500 deductible, she said the extra protection was hardly worth it. She had long ago dropped collision on the 1982 Ford pickup that her husband, Thomas, a carpenter, uses for work. But after calling her insurance company, Ms. Salvatore said she was surprised to learn that the time-honored practice of reducing insurance coverage to lower rates would not work under the state's new automobile

Mayor Seizes Car Insurance As Hot Issue

Mayor Rudolph W. Giuliani has taken a sudden interest in recent weeks in the policies of automobile insurance companies, a subject not normally within the purview of the city's chief executive. But the Mayor's focus on the companies may have less to do with his interest in the intricacies of their practices and more to do with his effort to keep the spotlight on what he considers perhaps the finest accomplishment of his tenure: lower crime rates. He has railed against insurance companies at a variety of public appearances, contending that the companies have treated New York City residents unfairly

Car insurance costs rising faster here, study finds

Washington residents shelled out 42 percent more for auto insurance than they did a decade earlier, a bigger jump than in most states, a new report says. Maybe weaker regulations placed our rates in the fast lane. Maybe we just liked pricier policies -- the Cadillacs of accident coverage. Or perhaps, as our local economy boomed, our new luxury cars and sport-utility vehicles drove insurance costs through the sunroof. The reasons are in dispute. Regardless, the spending surge in Washington from 1989 to 1999 was not good, said Bob Hunter, former Texas insurance commissioner and director of insurance for the Consumer Federation

Trenton Sues Freeloaders Over Their Auto Insurance

Taking aim at the pocketbooks of out-of-state drivers who illegally register and insure their cars in New Jersey, state officials today filed civil complaints against 200 residents of New York, Connecticut and Pennsylvania. The complaints seek fines of up to $30,000 per driver. Already, state officials said, 125 motorists have settled claims by paying more than $300,000. In one case, a New Yorker who owned five luxury cars, including a Rolls-Royce, paid a $10,000 fine. Although New Jersey's average annual insurance premium of $900 to $1,000 per car is among the highest in the nation, policies in urban areas of