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Today, this law is defined by the Road Traffic Act 1988, generally referred to as the RTA 1988 as amended which was last modified in 1991. The Act requires that motorists either be insured, or have made a specified deposit £500,000 in 1991 and keeps the sum deposited with the Accountant General of the Supreme Court, against liability for injuries to others including passengers and for damage to other persons' property, resulting from use of a vehicle on a public road or in other public places. The registration number of the vehicle shown on the insurance policy, along with other relevant information including the effective dates of cover are transmitted electronically to the UK's Motor Insurance Database MID which exists to help reduce incidents of uninsured driving in the territory. The Police are able to spot check vehicles that pass within range of automated number plate recognition ANPR cameras, that can search the MID instantly. It should be noted, however, that proof of insurance lies entirely with the issue of a Certificate of Motor Insurance, or cover note, by an Authorised Insurer which, to be valid, must have been previously 'delivered' to the insured person in accordance with the Act, and be printed in black ink on white paper. The insurance certificate or cover note issued by the insurance company constitutes the only legal evidence that the policy to which the certificate relates satisfies the requirements of the relevant law applicable in Great Britain, Northern Ireland, the Isle of Man, the Island of Guernsey, the Island of Jersey and the Island of Alderney. The Act states that an authorised person, such as a police officer, may require a driver to produce an insurance certificate for inspection. If the driver cannot show the document immediately on request, and evidence of insurance cannot be found by other means such as the MID, then the Police are empowered to seize the vehicle instantly. The immediate impounding of an apparently uninsured vehicle replaces the former method of dealing with insurance spot checks where drivers were issued with an HORT/1 so called because the order was form number 1 issued by the Home Office Road Traffic dept. This 'ticket' was an order requiring that within seven days, from midnight of the date of issue, the driver concerned was to take a valid insurance certificate and usually other driving documents as well to a police station of the driver's choice. Failure to produce an insurance certificate was, and still is, an offence.

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01.14.2007 | 34 Comments

even with the best of ins. And the money was the most important thing to them in my opinion. I am on Vancouver Island North, and have been waiting for surgery on 2 ruptures and split apart abdominal muscles, since 5 years now, and even though it has been diagnosed, I cannot get them repaired. It requires a plastic surgeon when the abdominal wall is torn, so they will not refer me to one who can do it. We are not allowed to switch doctors. No one will take you if you have, even , a bad doctor.

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01.14.2007 | 16 Comments

If your auto policy is canceled before the expiration date, a dividend will not be paid on the policy. Are dividends guaranteed?No. Dividends are approved at the discretion of the Exchange, and the amount of any future dividend may vary from year to year. While auto insurance dividends are not guaranteed, they have been paid for more than 20 years. Please note that available coverages are subject to policy limits and may vary by state. Personal lines insurance may not be available in every state or throughout a state. Please consult your local AAA agent. Home and renters coverage is not available in Louisiana LA. Auto insurance in LA is offered by ACIIE. Insurance coverage is not available in NY. What is a policyholder savings dividend?The policyholder savings dividend is a discretionary sum returned to a policyholder by the Interinsurance Exchange of the Automobile Club “Exchange” out of its surplus.