NC-drivers has the right to subsidize the amount of ill-hidden
Car insurers reject quarter of all drivers in North Carolina too risky for - a higher percentage than in any other country - from driver to pay.
This year, a typical family of two cars insurance pay an additional $ 55.20 to cover the costs of drivers, insurers take too risky. But most people have no idea how much to pay a surcharge, because it requires the state law, the amount hidden in their tariffs.
The state has the ninth lowest rate in America, but few consumers know how much it costs differences between the pilots. It is also unclear, it is subsidized, the state allows insurers to choose, it is risky and is not checked to see what kinds of drivers they choose.
Last year, drivers insured in the state of supplements paid up to $ 158 million.
The fund covers losses to North Carolina reinsurance mechanism, the state established a program to cover motorists whom insurers consider bad risks.
Insurers can the political responsibility of all drivers - himself, has never been a wreck or a ticket - to this pool.
In North Carolina, where the strict regulation of low prices owns approximately 25 percent of all motorists are in the pool. It is a higher percentage than in any other country, according to a report last month by the Property Casualty Insurers Association of America.
Most pilots are the reserves do not pay more than the peak tax rate nonrisky pilot. It loses money on the pool and the costs are spread over all drivers.
Each state has a net danger to motorists, but only North Carolina, Massachusetts and New Hampshire with a reinsurance undertaking Pool.
Most countries try to costs, where the risks are covered, “said Brian Sullivan, editor of the report of automobile insurance industry, a newsletter, which is headquartered in California.
“So if you really a dangerous driver, you pay much more,” said Sullivan. “This is the goal in most countries. In North Carolina, the goal is to minimize the risks of the difference between risk and non-driver.”
Supporters of the rule say the system spread of the average cost is more equitable to ensure that all drivers, it can afford to liability.
“I think it is great for consumers,” said J. Robert Hunter, a former insurance commissioner of Texas, is now director of insurance for Consumer Federation of America, a group of watchdog .
He said he believed hiding on the award by consumers was a good idea “because it is really an integrated system to serve all citizens of the state.”
But critics say good drivers should not pay more, so that drivers risk may be a pause. It is said that the state is hiding to avoid increases in controversy.
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