The new product, Allstate (R) of your choice Auto Insurance, breaks the form of products offered by many insurers traditionally by presenting consumers even more opportunities, innovative features and improved opportunities for a safe driver. The Americans began the consultation on the offer innovative Allstate yesterday evening during the final of the season, ABC’s Desperate Housewives. Consumers continue consultation on Allstate (R) Your choice of automobile insurance in the next two weeks on others, including programming network FOX’s American Idol, 24 and in the coming motor sport events.

The new advertising developed by Leo Burnett USA, Features, Elvis Presley’s “Can not Stop Loving You”, spokesman Allstate and 24 star Dennis Haysbert and vignettes, their love by drivers of cars. A portion of the popular “our stand”-campaign ads, offers consumers a choice quick overview of your car product features, such as accident forgiveness, driving safely and share bonus awards and invites consumers, “Can you love your car insurance as much as you love your car?” Print is also advertising in publications, including USA Today, The New York Times and Chicago Tribune.

Allstate (R) Your choice of automobile insurance (patent pending) was designed, built and tested on the basis of consumer prices and inputs search Allstate agencies. The choice of your car the product aims to consumer demand for more flexibility and more choices when it comes to their automobile insurance.

“This is more than just a complement to our self-standard product,” said Thomas J. Wilson, President and Chief Operating Officer, Allstate Insurance Company. “Allstate (R) Your Choice auto insurance for innovation and the position taken by Allstate, so that consumers feel more protected and ready.

Wilson adds: “If their gaze on the current state of roads and highways dealers floors you will see that the Americans want to choose what they drive because, why and how they operate. And more choice should be the insurance industry they are buying. ”

How does it work?

Besides failing to offer policies Allstate car, with Allstate (R) of your choice Auto Insurance consumers can now choose from three new optional packages: Platinum Protection package, or Protection Allstate Value package plan. Based on their individual needs, consumers can choose between new features like accident forgiveness, new or driving safely rewarded increased protection for new cars. Consumers can also Allstate Value Plan - the most advantageous insurance Allstate’s.

Whether seeking the protection of children against bad apples or consumers against bad hairstyles, the legislature has drawn the state this year to enhance security in an uncertain world.

Florida, knocked by a wave of murders of tourists, banned weapons in the hands of persons under 18, except for hunting, Schießkunst practice or competition, under the supervision of an adult. The threat of violence inspired by California law to prohibit schools band clothes in the classroom.

New Hampshire, doctors test positive for the virus that causes AIDS or Hepatitis B, needs a special permission for the implementation of invasive surgery.

There is no particular reason to enact laws in January, only images of a new departure to head the calendar. Many countries have laws to be taken in 60 or 90 days after the signing, or after the legislative session ends.

In view of the tea leaves, no later than January of this law, trends emerged. During the past year has seen a multitude of taxes and tax revenue for a squeeze anemic economy.

A year later, money has been remarkably absent, although some came close.

Oregon increased their minimum wage at $ 4.90. Mississippi excluding pensions of state income tax. Employers are Florida, the workers’ compensation premiums shrinking. Michigan property facilitates the burden on taxpayers by supporting public schools.

And the legislative protection of Colorado’s owner of the baseball team and stages of spectators at issue in connection with the transaction Denver for a National League franchise, the Colorado Rockies. The law limits the liability of a team and the stadium when a fan of an errant ball or slip on a Hot Dog.

Politologues were associated with the loss to explain what, if ever, the drafting of new laws finale.

“We have a change in administration, and perhaps States expect new policy,” suggested David King, assistant professor of public policy at the John F. Kennedy School of Government at Harvard University.

Some observers expect a number of crimes accounts next year, but for the moment, it seems that the word security.

From 1 January, riding open on the back of a pick-up truck is illegal in California, where children up to age 6 and under are also life jackets and motor boats sailing in less than 26 metres long. The implementation Sobriety

New regulations allowed Oklahoma tinted car windows are also bleak.

Search against the safety of motorists and drunk as a result of the implementation of many other states, Florida, New Hampshire and New Mexico has reduced the permitted level of alcohol in the blood of 0.08 percent to 0, 10 per cent. In California, drivers under 21 years, began with a blood-alcohol level of only 0.01 lose their license for one year.

As part of an experiment all year, Illinois had acceded to over 30 countries, drunk drivers review with a device that maintains a car start if the driver has alcohol in his breath.

Addressing risk in the market, Rhode Island needed credit agencies of consumers to send their credit reports within four days, an application and informing consumers if credit refused.

Video Store, New York is prescribed by selling its customers’ names and stories arrivals to others.

Illinois banned undesirable places of telephone sales and prohibits such calls from 9 am to 8 pm

Connecticut repealed its two decades-no-fault auto insurance law. Motorists should be covered by premiums, but they must go to court against accidental damage to other drivers.

Motor insurance loop in Illinois and Vermont is mandatory, as it is now in most countries.

Some new laws against the laity and incompetence. Texas acted regulating machine operators, increasing blood flow and oxygen during open-heart operation.

Hit the big cities hardest

In 19 states the increase in these types of accidents in the field of more than 50 percent to 220 percent. The main problems are occurring in major cities, officials said. In Los Angeles, for uninsured drivers, that almost one of four accidents with injuries. At Philadelphia, Denver and Miami, which is a number to three.

”This is a very serious situation for the country,’’said David N. Levinson, Delaware’s Commissioner of Insurance. ”Our opinion polls indicate that people over exciting on uninsured drivers than any other problem that we have indicated, including taxes.”He said that one third of 540000 vehicles in the state, is not guaranteed and that all claims, uninsured drivers has increased by $ 200000 in 1978 to $ 10 million in 1988, the latest year for which figures were available.

Many states, including New York, New Jersey and Connecticut, require drivers to ensure the physical integrity against damage caused by Hit and Run accident or car accidents with driver, the drive illegally without insurance.

Experts say the growth of insurance premiums is at least partially responsible for increasing the number of uninsured drivers. ”The number of uninsured vehicles has increased more rapidly in some areas where insurance costs have risen faster,’’said David L. Unnewehr, Research Director at Insurance Research Council, a professional association, as has recently analyzed data accident, which claimed, uninsured drivers from 1976 to 1986.

New York fares well

Drivers uninsured in New York City caused 8.5 percent of all serious accidents on the lowest rates of 15 cities studied by the Council in 1986. ”New York by the law of insurance is a bit more than other states, “said Unnewehr”,” but we did not get real deep into the reasons for New York had a lower percentage than in other cities.”His study found that the number of serious accidents by drivers who are not policyholders in the state, was half the national average, while the number of accidents almost tripled to 6.3 percent in 1986, 2.3 per cent in 1976.

Other states also have at least a doubling in the number of serious accidents by uninsured drivers were Idaho, North Carolina, Tennessee, Wyoming, Delaware, Georgia, Minnesota, Mississippi, North Dakota, Colorado and Utah .

The rate clamor on the assurances of PA and requested a dozen other states for the implementation of compulsory motor insurance laws in the past 12 months.

Assekuranz debt

But Mr. Levinson and say that almost all supporters of the implementation of new efforts are inadequate, and they throw the insurance industry to block the implementation of stricter measures. They complain that the content industry in terms of cost recovery, the nation’s total auto insurance from a pool of reduced customer as a means of reducing administrative costs and profits.

”The industry would rather collect $ 750 of you, $ 750 by myself and not a Dead Beat, not insurance,’’said Levinson. ”The industry can not win by collecting $ 500 by you, me $ 500 and $ 500 from another man, it is $ 1500.”

Assekuranz spokesman confirms that businesses against auto insurance mandatory certain laws and strict implementation of measures proposed by States, but they say that companies are consumers of this page on these issues. ”The industry is not able to say, someone must buy insurance, they will have their children before flows,’’said Nagel Shirley Schmidt, a spokesman for the Alliance of American Insurers, a trade group.

Mr. Levinson complained that the insurance sector had violently against the legislation in Delaware in the spring, which requires owners of automobile color, add the labels on the windshield as proof that it had paid for ‘insurance. ”I’ve never seen a lobby as the work effort in my life,”Mr. Levinson, rejected the proposal.

Ms. Schmidt Nagel, said the sector had legislation against the labels, because the procedure would be inconvenience, consumers and increase costs. ”It sent a quantity of paperwork,’’she said.

Characters of the discussion

It is very human to debate.

”The minimum insurance costs $ 600, and it was not possible,’’said a woman 23 years in San Francisco, drives a 1978 Volvo without insurance or registration, and said, the condition they can be identified.

She works in a non-profit organization of citizens’ rights as an intern, earning $ 8.50 an hour. This year it was $ 278 fine for driving without insurance or registration, but had no money to pay. She said she continued to drive illegally, mainly because they do not feel with transit in the night. If it has caused an accident, she said she hopes to cover the other costs through the sale, what was left of his car, bought two years ago for $ 2000.

”But this is not the mortgage is to kill us, the heart of leaf, it is taxation,”my husband answers.

”I know, I know. But I think if the house is less expensive, real estate should be less tax, too.”

”This seems reasonable. But Tennessee? Think of all the country music stations! You know, as I WPAT! You do not WPAT there.”

I scroll through piles of materials from the library - brochures and photocopies of documents, statistics on living conditions in other countries. ”Let’s see now. Arizona is pleasant. it is hot all year.”

”Yeah, it’s hot all right, but it is dry. You are always thoughts for your skin dry and smearing all types of gonk on your face. The draining air, you shrink. And what is incompatible with the change of seasons? Do you really want to live somewhere where it is the first buds of spring or autumn colors?”

”No, I do not think so. That is why I could never understand what people love about Florida. Can you imagine, wear the same clothes throughout the year? I’m annoyed would be absurd.”

My husband does not. Come to think he would probably nothing against. But I know by chance he hates Florida anyway. Perhaps because of humidity.

We have a lot of thoughts in these recent times, after the cessation of Garden State, although we like it. This seems contradictory, but it is always difficult to make live. This state has everything - Weather is a good piece of time, well maintained roads, beautiful mountains, breathtaking, sea slightly distance travelled all types of cultural events and entertainment, including large radio and television — No mean feat. We know the man, move on wildlife in New Hampshire, and their only Home Entertainment is a shortwave radio.

We recently lost, dear friends of the lure of sunny Florida. Soon, another couple join them, breaking a sextet of friends, have been together since our teen years.

What seemed a frivolous idea - only the collection and leave - suddenly much more possible, even necessary. After all our friends are far, we have a son in college in California and another working and living conditions in Idaho and, perhaps even moving in front of our son, we pack and go him long.

Maybe. What perhaps for a large. As a family, we are not a component software plug decisions. Sixteen years after a lengthy discussion and Sunday many readers, we decided, in this state. We would live in close quarters in New York City, and most of our friends had bought new houses had opted, Long Island.

We talked among themselves,”Let’s check out New Jersey.”We did not know much about him then - this place above the Hudson. It was more than the New Jersey Turnpike of Pali and shutters.

That is why we reviewed. And we fell in love. It was the right decision for us.

Now we are imposed by this decision. Sixteen years, we were paying $ 1400 per year, because of taxes. Now, without any improvement in our house or land, we pay more than $ 5000

Yes, prices can agree on everything, but it is difficult to believe that any party is almost quadrupled. Certainly not our income. Oh, excuse me - I have not checked the figures yet, but I feel that our automobile insurance fit in this category. If so, what to do? New Jersey is only for “well-to-do?

We decided to 16 years, that we would never pass. But we are again. Take another look at the brochures and statistics.

I collect brochures. Colorado is attractive. He said, the air is clean, with the exception of Denver. But our son in-laws live there and they tell us there is more and more overloaded. I ask myself the question of their definition von”überfüllt.

The New York City-Institute has estimated that Germany, homeowners and car insurance costs rose last year, for an average of 8 per cent. The Institute projects an average growth of 9 percent this year, around the average annual rate of homeowners to $ 603 and the average expenditure for auto social security to $ 855

Dave Colmans, director of Base in Marietta Georgia Insurance Information Service, said, the consumers can take to try to mitigate the impact of exchange rate increases.

National prices have declined on average by 2.8 percent last year, the first decline since 1973, said Information System Insurance Institute in New York.

These savings were mostly to good conduct, “said Rusty Beaty, General Manager in Tennessee for Progressive Auto Insurance, which is based in Mayfield, Ohio.

Fewer young people behind the wheel, cars safer, action against drunkenness lasts tax, the lower prices less generous jury awards damages and strengthen the use of child soldiers safety seats and seat belts Security contributed to the trend, said Beaty.

More than 80 companies working in Tennessee, said Beaty. Progressive also found that apart from the more expensive the cheaper policies identical among the first automobile insurers in Memphis was $ 704 for six months.

To treat differently the risks of businesses, “said Beaty. Example: You can be considered a high risk of pilots of a business, but only a moderate risk motorists to another, “he said.

The state ranks third highest in the nation unmerited “producer to use” discounts on premiums for cars where, which is often - but not always - a fraud on the part of consumers, researchers on Thursday.

The discounts, usually ranging from 10 percent to 20 percent, are expected to be given to cars or other vehicles into holiday on a farm and not in any other profession. The idea is that these cars are not also led many others, certainly not with heavy traffic.

It is the consequence of the law allows Florida’s no-fault auto insurance law except force.

The objective of the end of no-fault, requires drivers to buy $ 10000 damage to cover health care costs was the reduction of widespread fraud through the program and the decline in rates ‘insurance. But PIP is the status of the other type of coverage mandatory car - damage liability.

The decline of IPP kill the mandate for the implementation of a minimum of $ 10000 coverage for property damage liability, after the State Department of Highway Safety & Motor Vehicles, the force is not right.

“Assurances are not be required for good driving,” said the spokesman for the Department of Julie Baker, even if the driver in an accident and did not need insurance by state insurance for some time.

The 60-54 vote was an important victory for immigrants is favourable, have their energy in the spring of this year, a series of measures before the General Assembly.

“Today we are making history,” said Rep. Edward Acevedo (D-Chicago), the sponsor. “The roads in Illinois is a safe place and, for immigrants driving to church, work and take their children to school legally and without fear.”

The controversial proposal of a driver’s certificate for immigrants, advocates say that many of the state estimated at 400000 non-documented immigrants, for proper training and automobile insurance, still more tests before right.

So far, it is not in any way, and there is no consensus on the likelihood he wants.

Georgia’s Supreme Court Finally, the legitimacy mitigate the redemption value in the report November 2001, when he decided in favour of the claimants in a class action suit. The Court cites the interpretation of the Treaty of Georgia courts ranging from 75 years.

The decision was costly for the defendant State Farm Mutual Automobile Insurance Co. Two months after the decision, but was prepared, in a subdivision of 100 million dollars for not less than 700000 Georgia to the automobile insurance coverage to reduce the values of December 1993 and he pays as much as $ 100 million in such claims during the next six years.

No other state Supreme Court ruled in favor of finding the reduced value, although some lower courts. Two Supreme Courts in this summer - in Delaware and Maine - was clearly against the concept. But there is some concern in the industry, that the spread of the decline in value is only a matter of time.

“This is an important subject, and insurers should cover him,” said Scott Harrison, a partner of KPMG LLP’s Insurance Regulatory national practice and former vice-Superintendent of Insurance, New York. He said the judge has always been inclined to find for the claimants, if the language policy is procedures, and also in areas such as environmental products and legal recourse is excluded. “It appears irresistible, in some countries, if the customer d a person and not like a business, “he said.” It reflects an attitude on the part of judges and juries to maintain and help young type. It is human nature. Unfortunately, it has a considerable influence on how insurers and businesses, and their policyholders. ”

The case in Georgia Wine firm against the State, was the result of the actions of insurance in two accidents. Rudine of Oenology Columbus complaint filed in June 1999, an accident with her daughter. State Farm paid $ 2858 for the repair of Hyundai in 1995, but he did not know Oenology that it was entitled, as part of their coverage to more than $ 500 as compensation for alleged losses in the car repair value. State Farm. Paid $ 7561 to repair the Ford Contour of Mauritius J. Cardenas of Lithonia after his accident in December 1998, was unable to tell him his policy on the law of another $ 3,200 for the reduced value. Right sciences Georgia at the time, on the basis of a lesser judgement of the Court of Justice, the insurer is required to report a decrease relative values and insurance payments. In none of these two accidents, a third party fault.

Harrison said that, insofar as the courts require insurers to pay retroactively rights, or if the insurer dispute resolution notes the effects could be significant. State Farm and other insurers did not anticipate these requests and never premiums for them, so they can visit a “Double Whammy,” he said.

“To the extent these disputes to be industrywide starts effects or high efficiency, I assume that the desire of companies involved, starting, prices for risk, and this could lead to an increase in the rate of self-” he said.

Few agreement

Except in Georgia, coverage is traditionally for the repair of damage. Eight other states can reduce the value of coverage, but on a “very limited,” said Robert J. Hurns, counsel for the National Association of Independent Insurers, trade group in Chicago. (See “States, which reduces the value of coverage,” page 64) “This is not a trend with a fire on him,” he said. “It is to remain where it is now, or it is diminished. If we consider the actions of class action that has been successful in Georgia, where there is a legal precedent since 1926.

Respect the language of the contract is the main reason for Hurns optimism that the decline in value of concept will not disclose. He said that the eight countries, even some coverage to allow insurers to use Insurance Services Office of exclusion, it is very clear that the wording of the treaty is to reduce the value are not covered .

Hurns said NAII monitors this problem, like all others, but does not feel the need to take action. “Value-key is reduced to its own,” he said. “Insurer-credit, the use of reports is a matter of life to some, but not”.

Some see a chance

Another reason is to disseminate the concept is unlikely that there is no popular groundswell for the reduced value. “This problem comes not from consumers, workshops self-insurance or the economy,” said Hurns. “There are entrepreneurs, they say they can perform the function of determining the value lost. They are not public by each unit. The more people who can get them, they feel better for it.”

Hurns has recognized that, in Georgia, they offer an additional service. “But elsewhere, they are likely to mislead consumers,” he said. “They do not say that 49 States to deny the value reduced. They are not, because they have a very thin vein to me.