jeb@kitc.UUCP (Jim Beckman) (10/01/85)
<<<<<<<<<<>>>>>>>>> Finally an original and workable suggestion for the seatbelt usage controversy! > >The penalty should be simple, but direct - a small fine, but allow >the insurance companies to charge double on the personal-injury-protection >rates if you've had a seatbelt violation in the past n years (n=~=3). >(Personal Injury Protection is part of NJ's so-called no-fault insurance.) > >## Bill Stewart, AT&T Bell Labs, Holmdel NJ 1-201-949-0705 ihnp4!ho95c!wcs > My opinions: If we're going to have a seatbelt usage law, the police should be allowed to enforce it at any time. Having a specific standard to judge whether or not a person is a "seatbelt user" (ie. no seatbelt tickets ~= being a seatbelt user) makes it simple for the insurance companies to raise the appropriate rates for those who choose not to wear their belts. The insurance companies will raise my rates if I am caught speeding, on the assumption that a habitual speeder is an unsafe driver and thus more of a risk to the insurance company. Is there any real difference between that situation and Bill's suggestion? A non-user of belts increases the comanies risk due to the predictably greater medical expenses incurred when the insured driver is injured in an accident. Can anyone offer any arguments against this? Jim Beckman AT&T-IS, South Plainfield, NJ kitc!jeb
johnbl@tekig5.UUCP (John Blankenagel) (10/04/85)
[] > >The penalty should be simple, but direct - a small fine, but allow > >the insurance companies to charge double on the personal-injury-protection > >rates if you've had a seatbelt violation in the past n years (n=~=3). > tickets ~= being a seatbelt user) makes it simple for the insurance > companies to raise the appropriate rates for those who choose not to > wear their belts. The insurance companies will raise my rates if I Hey, I've got a novel idea! How about if the insurance companys LOWER your rates if you go ~=3 years without any tickets? I would much prefer this answer to having them make any more money off this government created scam called insurance. John Blankenagel