Nevada Insurance

A bill Assemblyman Thomas M. Calderon (D-Montebello), prohibit air carriers refuse to provide insurance or renew auto insurance is based solely on an assumption of individual credit rating has been approved by the Assembly authorization of the commission.

AB 5 prohibit insurers case of doors or reject a policy of rejection or someone them a good discount on the basis of their credit history. More specifically, the account would be Calderon:

It prohibits insurers from refusing to issue or renewal of trafficking in persons deprived’s auto insurance based solely on the individual creditworthiness.

It prohibits insurers, taking into account all relevant considerations, on the basis of a report by a consumer credit, which is currently provided by the insured or potential with a consumer credit reporting company.

Ermächtige assurance of a good commissioner for insurers up to $ 5000 for each action, or if the act is deliberately up to $ 10000

The National Association of Independent Insurers February 14 testified in favor of Senate Bill 4, before the Nevada Senate Committee on Economy and Labour.

SB 4 in a car or a home insurance policy must be the owner of his sentences with the commissioner of insurance, but companies can grant their changes immediately after registration. Nevada recent rules require that the Commissioner for examination and approval of tariffs, before entering into force.

According Saturday Sorich, NAII Vice President and Regional Director of the West, the bill protects the consumer by preserving the current standard notation. In addition, it allows the commissioner to the company on the use of their recordings and requires the commissioner to impose the prior consent of the insurer on the new price. SB 4 also requires the Commissioner of the automobile and homeowners markets to ensure adequate competition.

When there is a lack of competition in a market, prior authorization is restored. “The prior laws make sense if a market is competitive,” said Sorich. “This is not the case in Nevada. In the state of Nevada, there are more than 150 companies writing auto insurance and nearly 100 insurance companies owner in writing to consumers a wide range of choices when purchasing coverage.

The NAII believes that legislation in this area would benefit consumers and insurers. The association also believes it would create a more efficient process to remove, without essential mechanisms for the protection of consumers.

Nevada Insurance Commissioner Alice A. Molasky-Arman has granted a request by Dairyland Insurance Company (Dairyland) to increase its private passenger automobile insurance rates through a comprehensive strategy to 8.5 per cent of the national average.

In its application for registration and information, Dairyland uses an actuarial formula, with 12 percent of an injury to increase / Airplane civil liability and a rate of 16.2 per cent increase overall coverage, where quotas for other surfaces for the most part unchanged, could have a total national average increase of 9.4 percent.

The division of insurance mathematicians conclude that the considerations of profitability does not support any overall increase in rates, while a combination of trends and profitability tends to support accountability.

Although Molasky-Arman approved an increased share of responsibility for the request, it refuses the proposed increase in coverage. Increasing responsibility vary from a level nearly 20 percent for the sectors of the Washoe County and Las Vegas on a minimum or no change for Blue Diamond.

The new rates come into contact with effect from 10 December for new and January 4, 2003 for renewals.

Dairyland is the sixth insurer of the free movement of persons deprived of automobile insurance in Nevada with coverage of more than 30000 cars. The last sentence of Dairyland change took effect in December 2001 for an increase of 15.8 per cent.

A well-respected insurance group officials of the federal government yesterday asked to consider, saw five million Pickup Trucks, manufactured by General Motors Corporation, which indicates that the company had misportrayed had played and that the risk of fires in collisions.

The industry group Insurance Institute for Highway Safety, also made public, taking charge of an earlier study of claims of consumer associations that the full size pick-up Chevrolet and GMC 1973 and the 1987 model year have been more vulnerable as a competitor “vehicles to fire some accidents. The insurance group debt of a defective gas tank design.

The report based on a statistical analysis of the road, also found that the rate of GM traffic light decreases by 1988 fatalities, as General Motors change fuel tank’s Design. The insurance group, a previous attempt in 1984, the protection of tanks hadlittle perceptible effect on vehicle safety despite General Motors’ say he did.

“This is one of those rare situations where it is clearly given in the direction of a shortage,” said Brian O’Neill, president of the Insurance Institute for Highway Safety, which is headquartered in Arlington, Va.

General Motors officials, received the report yesterday, went to comment, as he examines the help of the company. But Edward Lechtzin, a spokesman for the company, defended the safety of vehicles.

“The Institute is just looking for some data,” said Lechtzin. “There are many other data shows, our vehicles are safe.”

Nevertheless, the action group, which has rarely been committed to recall, debates, could be a problem of public relations for General Motors and push for a federal official investigation.

The Institute has not been as hard against a car since the late 1970, when he asked the government to recall certain models of Ford, because in cases where the wheels fell. Ford recalls, police versions of the vehicle but the passenger did not models, and the government not insist that action reminder, “said O’Neill.

Cary Schneider, a spokesman for the Institute for Information Assurance, a New York trade group, said the report could affect the prices consumers free insurance.

But Mr. O’Neill said that if there is an impact on rates, it would be minimal, since the fires represent only a tiny fraction of all accidents.

The vehicles in question are General Motors pick-up, fuel tanks outside of vehicles at home framework rather than inside. In August, the Centre for the safety car, an advocacy group in Washington, asked the National Highway Transportation Safety Administration, should be recalled that more than 300 people had died in the fire, because the tanks penetrated when trucks Hit were on the page.

Last week, Senator Richard Bryan, Democrat of Nevada, met with Marion C. Blakey, Administrator of the Highway Agency, and has called for a formal investigation. Several officials of the Agency of the highway, all refused to identify themselves, “said Blakey expected to succeed, of course, as during the next week.

In its report, the insurance group to examine the fires in collisions from 1987 to 1991 with pick-up full size, General Motors, Ford and Chrysler, between 1975 and 1990 model years. For model year 1975 to 1987, General Motors pickups were more than twice as high as the rate of fatal accidents on the page crashes, burns. Shortly critical

The group was somewhat critical of General Motors’ presentation of the information security on the pick-up. The largest automaker has on several occasions, the fuel consumption has improved the safety of pick-up in 1984, when was a shield around the tank.

But the insurance group said that its analysis of model years 1984 to 1987 were carried out, showed no decrease in mortality fire in the GM models compared with those of other manufacturers.

“No matter what they were doing on the test track does not seem to work in the real world,” said O’Neill.

This rate has dropped, if during the year 1988 from General Motors in the fuel tank inside the vehicle frame, also falling below the level for pick-up Ford, the insurance group.

Western painting new speed limit sign, convinced that next week by President Clinton signed, what his friends and enemies “pedal-to-the-metal.”

If this treaty enters into force, the National Highway System designation of the federal law would remove control of speed limits, first imposed fuel as a means of winning in 1974.

Without federal budget, Montana is automatically America’s “highway” status. How many drivers in Germany by major highways, drivers in Montana interstates on the face of every day is not time to speed limits, because she screamed by Big Sky Country.

A generation of state legislators in the West has reacted violently to the introduction of the maximum speed of the National Institute of the nation maximum speed to 55 mph. States that do not comply ran the risk of losing highway money. During 1987, we read had the chance to raise the ceiling to 65 km / h on interstates in rural areas.

The dream to follow a regime of the race over vast green spaces, the state legislature, in the west accepted speed limits, which take effect only if the Confederation borders have been lifted. In Montana, lawmakers voted to restore a pre-1974 set by law, that motorists should drive at a rate reasonable and prudent. ”

Mr. Clinton has objected to the provision of speed limit and other parts of the highway bill, but it is feared, to sign it.

By its signature, maximum speed limits of 75 mph directly to Kansas, Nevada and Wyoming, and 70 km / h in California, Missouri, Oklahoma, South Dakota and Texas. Colorado’s legislative debate, a proposal to increase to a maximum of 75 km / h

In the East overloaded has not adopted any measures have been taken. In some countries in Eastern Europe, like New York, New Jersey, Massachusetts and Pennsylvania, speed limits can not be amended in the State Legislature. Others, like Connecticut, Rhode Island and Vermont, require action committees of public transport.

In the Rocky Mountain west, some have long argued that geography and population density of light provide a great fast lane.

“We have fewer people in this state that throughout the city of Honolulu, and three times as many cows as human beings,” said Andrew Malcolm, a spokesman Dir of Montana, Marc Racicot And provides a justification for opening up speed limits. “Public opinion is strongly in favour of old borders,” he added, referring to the state constitution-1974 before the law.

Security and insurance companies are to recommend to Mr. Clinton to veto the highway bill, which would be $ 6.5 billion in aid for states and the costs of a number of other Federal Regulations, as a motorcycle helmet, a ban on Billboard highways and staged a number of rules in connection with the truck.

Presses M. Clinton, a security group, Advocates for Highway and Auto Safety, recalled that his father died in a car accident. “We can not repeal the law of physics,” said Katherine Hutt, a spokesman for the Washington advocacy group. “Physics in effect doubling every 10 miles an hour on the current speed limit. ”

Realizing that 4694 people died on Interstate outages during the past year, the group said: “The Congress has examined the account of a highway for the first time in history, more ‘ To kill Americans, as it saves. ”

Monday, the consumer advocate Ralph Nader implored President, to view, please, what is at stake - between 6000 and 7000 more deaths each year, tens of thousands wounded, disable, $ 19 billion in the field of public health and costs because a higher insurance rates higher worker compensation premiums, more air pollution, more imported oil and more risks on the highway putting out of the police. ”

Within five years after Congress raised rural speed limits to 65 km / h, deaths rose 30 percent on routes where speed limits have been collected, according to a study by the Federal Department of Transportation, said Speed contributes to one third of all highway deaths.

East favorable to the security’m wondering how the pilot of Flight Montana prices next month when they arrive on a stray cow or a patch of ice while traveling 100 km / h, the deadliest of the Interstate east in Montana, on I-90 in Silver Bow County, Computer-Aided a case study of death intergovernmental this month Hearst newspaper. From 1990 to 1994, measured in the study, the number of fatal breakdowns per 100 million kilometres travelled.

The plan Dir Jim Florio announced last week to roll back car insurance premiums in New Jersey, marks a turning point in the history of torture, an issue that bedeviled regulatory authorities and consumers alike since 1973.

But it can also be a step toward consumers, which is described as supporters of the revolt against the high level of automobile insurance in many countries throughout the country.

If nothing else, in his speech to a special session on the New Jersey legislation last week, Mr. Florio’s explanation of the problem. Insurance companies looting of public opinion, said the governor, and it was time for the payment of man.

The prêt”un word to describe a car irreparably damaged, our automobile insurance system is a whole,’’said Florio. ”Car insurance is a problem in other countries too. But the pilot of New Jersey, the highest in the country. So we need to lead this challenge.”

Consumer groups say, Mr Florio proposal will help them in terms of national struggle against a branch, they say, too little control too long.

But some spokesman for the industry, “said Florio, he has a scapegoat for a complex problem with no quick solutions. Ronald Krauss, spokesman for the American Insurance Association, which represents 220 companies, has high costs for car repairs, medical bills and all appeals to high premiums. In the design changes, the new governor of the aid say they hope that with two types of problems, born tried some reforms in the years 1983 and a few, you’ll find no-fault insurance system which is based in New Jersey 10 years ago.

In 1973, New Jersey, want to share with other states in which saves time and money for consumers and the courts, adopted a no-fault insurance law guarantees that motorists unlimited cover for medical injuries. But it allows them to transpose the pain and suffering, if the medical expenses exceeded $ 200 and premiums continue to rise.

In a new attempt at reform in 1983 a common state Underwriting Association to cover the driver could not buy insurance because they were regarded as bad risks. The private insurance selling agents of the Association of politics, but the agency subscription to the State pays claims. About half the drivers in New Jersey with the policy of liquidation of the Agency, and this year it had a 3.1 billion dollar deficit.

Especially in the Governor’s plan to get rid of the Joint Underwriting Association and $ 222, now that all drivers to pay premiums each year to maintain the flow.

The governor’s plan taxation and assessments of $ 1.4 billion against insurance companies over a period of seven years, as part of a strategy for the average premium at $ 1112 per year about $ 860. Other provisions, like a limit of $ 75000 injury coverage, unless you choose to buy more pilot, he said, should also help reduce the costs of the proceedings.

Governor as spokesman

Consumer groups were pleased with the plan and not only because it seemed, should the legislation. For the first time, they said they had a governor supported the argument that, throughout the region: the insurance companies are the culprits.

”The issue of auto insurance is hot and now Florio speech, he made a lot hotter,’’said Robert Hunter, chairman of the National-Versicherungs-organization of consumers, has seen national legislators across the country.

The first manifestation of discontent among consumers was in California in 1988, an initiative adopted, demanded a 20 percent rate, the same objective as Florio plan. The assurance of the economy, the action in California, and it is frozen in the courts. Some sponsors of the 1988 initiative to say whether the reduction delayed much longer, but it is another report that the State would have the industry.

In Nevada, the legislature has also commissioned a Rollback tax rates this year, the industry fought back, and the question is the Federal Court. The auto insurance of the economy has also Ergüsse consumer anger and threats of action, Pennsylvania, Virginia, Maryland, South Carolina, Michigan, Massachusetts, New Mexico and Arizona.

Question: Is there a way to beat the high cost of insurance on rent-a-car?

A. holiday in France last summer, I drove my rented Audi to a pillar in a parking garage, amputating the page-view mirror and a sharp crease in the front fender. As uncertainty, as I was of the accident, I was happy because it meant I would be more tangible to pay the exorbitantly priced $ 20-A-Day Collision Damage Waiver I would be purchased .

Given the high cost of insurance for rental cars, I am probably not the first tenant to the joy of a small taste-up. If you recently hired, do you know that the revision der”akzeptieren”Kontrollkästchen alongside all the possibilities offered in a lease classic can add $ 30 or more on your daily life costs.

Among the options that Collision Damage Waiver, relieves customers of financial responsibility in case of loss or damage to the vehicle, it is often more expensive. According to a 1994 report, the U.S. Public Interest Research Group, an organization defending the rights of consumers in Washington, the price of Collision Damage Waiver increases the price of car rentals, averaging 46 percent per day and all that 93 per cent.

Indiana, California, Nevada, Texas, and limit the amount or payment for collision damage waivers, and in New York and Illinois ban as a whole. Elsewhere in the USA, insurance can be easily cost of about $ 19 per day, equivalent to about $ 7000 per year, according to the owner, location and type of car. Hardly a coup, if one considers that a driver of 30 years live in a High Premium, like New York City can assure you, a new Ford Taurus for about $ 2100 and more coverage, which represents a Collision Damage Waiver.

But that does not mean that the rental insurance must always be avoided. If you rent a car and do not have another insurance fund, the assurance of good sense, regardless of price. Otherwise, you have all the costs for the repair or replacement of the car when it stolen, vandalized or in an accident.

What many tenants do not recognize, however, is that more and more economic alternatives. If you have an automobile insurance, there are great chances that covers apartment, at least in part. In addition, some credit cards offer more than the collision insurance reimburses, so all costs not covered by your own policy, including the prorated. But the coverage of exceptions and is full, you can leave with a Big Bill, if you have an accident.

For example, the Collision Damage Waiver of credit cards and insurance do not cover personal injury or personal liability. In other words, if you or your passengers are injured, nobody is covered. In the case of an accident with another car, neither option pay to repair or treat violations of self-passengers. And if you refer to the reports are not paid or pay legal costs made against you.

The maps are generally not insured Off-Road vehicles, trucks, cars or worth more than $ 50000. In fact, Off-Road conduct, whatever the vehicle is a contract breaker: If you have an accident and a link on a bog or a golf course, your coverage is valid.

American Express includes damage resulting from causes such as legal acts. The Gold MasterCard, card coverage for a rental of up to 15 days and American Express for 30 days.

If you live with these conditions, the reduction of insurance on the rental contract and your land, if the agent tries to put pressure on the review. It happens. A car rentals at the airport Washington National Alamo Rent-A-Car, Anna Aurilio the rental insurance because she was paying with an American Express card. The officer was not satisfied. ”He told me, a very unpleasant way: “No matter the credit card. They take full responsibility for the car, if something happened,” ’she said.”I’m always refused coverage, but left feeling very paranoid.”

Leslye Lewis Page, a spokesman for Alamo, said that the arrivals Agenten’’sind in no way encouraged to coerce customers to different outlets.”You have noted, however, that compensation for employees was partly on the basis of a sale accompanying comprehensive, including conflict exemptions.

While collisions and damage credit card does not provide liability insurance coverage or injuries, most owners are happy to note that the gap mit”Unfallversicherung,”for about $ 2 per day, and a liability insurance for complementary ,”” approximately $ 7

Below are excerpts from reports of the opening of debate on health care bills in the Senate today. The statements of Senator George J. Mitchell of Maine, the Democratic majority guide, and Senator Bob Dole of Kansas, leader of the Republican minority, were from Reuters and the Federal Information Systems Corporation, a private transcription. The text of statements by senators Edward M. Kennedy, Democrat of Massachusetts, and Nancy Landon Caisse d’tree, Republican of Kansas, were their offices. Statement of Senator Mitchell

Madam President and members of the Senate, tonight we begin the debate on health reform legislation. We are not going to hire more important role to play in this conference. What we do, every American family.

In preparing this legislation, I was a principle: the purpose of the reform of health systems is the well-being of American families. The assurance of the economy and members of the health professions are important elements of the system - but they are a means for the purpose. The end - the real objective - is the well-being and peace of mind, that Americans should, in regard to their medical care.

The health reform is a matter of simple justice. Human beings are unevenly born with the ability and strength. Nobody chooses to us by our family situation. None of us is immune against misfortune. We are all vulnerable to accident and disease. We all age.

The health sector takes 14 per cent of our gross domestic product - more than any other developed country. The Americans to pay medical bills highest in the world. Thirteen years, the average family paid about $ 145 per month for health insurance. Today, this family pays more than $ 430. If we can not control costs in six years at the time that the family pay more than $ 900 per month for health insurance.

Any cost might be worth, if America has made the world of adult life and low infant mortality rate. But it does not work. . . . Lives ruined

Some people are unable to cover health status for which they need care. Some emergency areas with severe disorders note that the so-called “Time Life Insurance borders”, long before their condition improved. Some families whose children have special medical needs, are lined with red and insurance. Thus, a sick child healthy brothers and sisters are in danger. Some families whose parents have disabilities, because of years of age, home care or bankrupting the costs of long-term care because it is not affordable.

Any effort to reform health has heard firsthand the stories of people - ordinary workers, professionals, middle class, High School Football Stars - health, whose accounts have ruined their lives and their future to limit.

Senator Reid [Harry Reid, Democrat of Nevada] told us by a man in Nevada, in the situation and is willing to pay for insurance for its students daughter, but he can not, because this is not for an insurance company the country holding his daughter. He was born with an adrenal gland disorder and is a victim of juvenile diabetes. She takes medication daily to control their symptoms and sometimes it requires hospitalization. His father wants to pay for security assurance. It can not afford the insurance of safety. But it can not find someone, they sell to him.

He said Senator Reid and I quote: “Neither Laura and I are seeking a government handout. We are willing to pay, not even at a premium price. Is it not ironic that we are mandate automobile insurance companies or their assets auto insurance and high-risk drivers, but we need is not the same for health insurance. Health is much more important than the car. “Thus, said a man from Nevada - and he was right.

If states can require that the insurer self-insurance risks of bad conduct - behavior can be controlled and influence and to avoid, there it is not our ability to require Medicare funds to cover those whose conditions are the result of behaviour, but circumstances and bad luck. My bill is doing so. Insurers are not able to refuse a person because that person had the bad luck, born of a serious disturbance of gland, or until the conclusion of a contract a disease in childhood, suffering an accident or long-term effects, or for any other cause.

If Mark E. Covington his 1992 Chevy Cavalier player of the night, the path of the beam vibrate left the projector, on the other side of the street and the daylight, the color red on the cover shows an odd ridge on the left.

He accuses his insurance company: After his wife collapsed car in the back in a pick-up April, he said he had the car of one of the best shops in Laurel post Miss, but the store had to use generic parts.

State Farm”absolument refused to G.M. Parties,’’said Mr. Covington. Instead, the insurance company has auf”Imitation parties.”

”She said that this would be our vehicle on the original condition and value that do not,’’said Mr. Covington.

Lawyers try him according to a large class action filed an appeal against State Farm. But the suit has alerted for consumers, including utilities Citizen, a group founded by Ralph Nader as part of its auto safety crusades and the attorneys general of New York, Massachusetts, Pennsylvania and Nevada, collaboration with the National Association of State Insurance Commissioners. They all submitted to the Supreme Court letter of support from state enterprises and people like Mr. Covington opponent.

The Tribunal could announce as early as Monday, as if listening to the arguments of the case. State Farm asked the Supreme Court with the explanatory memorandum, Illinois, where it was filed in accordance should not be allowed for amounts to a national regulation on insurance.

The applicants state, the case covers the five million motorists and cost State Farm $ 2 billion, but its opponents say it would insurance rates in Germany.

Lawyers, files class action for sites of a study of General Motors, which indicates that the car repaired with generic parts lose $ 1670 on the resale value, and that some generic parts can be dangerous. Insurance companies dispute both ideas.

Both sides agree that, if the class to indicate the action is successful, is it affects almost all drivers across the country. It could also vice-laws or regulations of insurance in New York, Massachusetts and Hawaii, among other places.

According to defenders of consumers and insurance companies, the state closes fordert”Qualität spare parts,”und”bezeichnen designate like other Markt”Teile below meet the same standards of form and treatment , Corrosion resistance, strength and longevity of those produced by GM, Ford and Toyota. The market shares after having broken a long-standing monopoly of the auto-repair business fenders, hoods, bumpers and other parts of consumers, supporters said.

Insurance companies say they have a good reason to meet the requirements of generic substitution. ”You’re one of the factors that contribute to our power to keep our premiums as low as we can,’’said David A. Hurst, a spokesman for State Farm. If a driver died of an accident, everyone is better if the spare parts cost less, he said.

And the manufacturer are expensive. The alliance of U.S. insurer calculated that 1996 of a building GM Chevy Lumina parties would cost $ 72600, more than triple the price tags of the car. GM, on the other hand, has announced that generic parts are not as durable and can lead to security problems.

The dispute is one of the longest courses in the car.

I have never seen more than two sectors interrelated, more than hate,’’said Jack Gillis, chief spokesman for the Consumer Federation of America, referring to insurers and repair companies collision. ”There is no respect, no trust, no nothing.”

Part of the hostility, he said, comes from workshops Preferences billing insurance companies for manufacturers of original parts, then with the generics are cheaper, a practice that most consumers do not recognize . The body shops sometimes do, car spare parts Owners, the cost of their shares, or sometimes they do, they can also pocket the difference.

Mr. Gillis, is also an author of a useful named The Car Book, this is not quite neutral, it is also the director of a non-profit organization, insurance of the economy, of the Certified Auto Parts Association, to evaluate generic parts.

Polls show that at least one third of the voters of New Jersey identify the high auto insurance rates as their supreme objective, it is not surprising that both Governor Whitman and her Democratic opponent, Senator d State James E. McGreevey, voters say they want to hear this, to guarantee lower rates, in this autumn.

But can it provide?

After sending subsistence away from their plans last spring to consumer choice reduced rates in return for less coverage, Governor Whitman has updated its proposal. Only this time, it promises that drivers to decide some of their rights to sue for violations of safeguards would be a reduction in interest rates, up to 5 to 25 per cent per annum. Under his original proposal, it is up to insurance companies on a voluntary basis specifically at low prices for consumers, less coverage chosen.

For his part, Mr. McGreevey offers a guarantee of 10 per cent of the lower prices without reducing coverage. He argues that insurance companies, the biggest difference with the fight against fraud measures.

As might be expected, Mr. Mrs. Whitman and McGreevey dismiss the other proposals for political pandering and the insurance industry believes that mandatory reductions in interest rates, without any provisions to give them a fair return, unconstitutional.

In recent years, several states have returned to zero tariffs for auto insurance. Some have succeeded, but not all been able to strike again Tribunal to meet the challenges of business insurance.

Nevada has a 20 percent interest rates during the year 1989, but the insurance won the right to the argument that challenges that the State has the mandate of an illegal confiscation of property. In California, a ballot voter action during the year 1988, also known as Proposition 103, which resulted in a reduction liability by 20 per cent. The question is always linked to justice, but with the recent ruling by the conclusion of this insurance for the benefit of the company, a profit of at least 10 per cent. In New Jersey, is 6 percent.

Last week, the consumer of civil justice, New Jersey organization of consumers and working groups, Gina Calabrese, a Senior Counsel California’s Proposition 103 enforcement project on the State House, to speak, as have New Jerseyans decline Price. Gebeutelten”Comme motorists in New Jersey, residents living in California, were fed with prohibitive insurance rates and led a revolt by their own insurance,’’said Calabrese.

But almost 10 years after the voting action, California drivers have not seen their auto insurance bills drop 20 percent. The average reduction was more than 5 or 6 six per cent. And it is unclear if he ever decline.

In Pennsylvania, meanwhile, have a success rate has been reduced from 10 to 22 per cent. But the duty reduction, during the year 1990 was adopted, along with specific measures to reduce costs. The state restrictions imposed on new processes and creates a new system of payment of medical expenses. They also allowed doctors, instead of a group of lawyers, to check the cost of medical treatment of the pilot and gave options to reduce its coverage at lower cost. These two elements are part of the governor’s proposal Whitman.

Any effort in New Jersey to reduce tariffs, even without a guarantee of opportunities for insurance companies to meet the difference would rapidly court challenges, John K. Tiene, executive director of the New Jersey Insurance News Service, the insurer.

”It has been proven again and again that the courts are not admit that the restoration of an arbitrary rate,”he said. ”It is linked with some reduction in costs. It is also easy to cancel the rate is unconstitutional.”

Mr. McGreevey insists that its plan to reduce fraud, he promises to outline in detail early next month, all provisions meet the challenges of business insurance. And Mrs. Whitman says her plan to reduce guaranteed, because it has no choice, and there are doctors a greater say in the decision to cover the medical costs should be.