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.

Aetna said it would drop private car and homeowners’ insurance in Idaho and New Mexico because the companies were profitable and little hope for improvement.

Aetna, stopped the sale of car and new owners “policy in New Mexico and Idaho November 2, said he would not renew the policy of New Mexico from February next year, Idaho and March.

The Hartford, said it plans to withdraw from most of his own car insurance business in Michigan after the settlement of disputes with regulatory bodies and insurance agents in this state. The Hartford, written only two-tenths of 1 percent of Michigan’s personal auto insurance, wants to resign because of financial losses and regulatory restrictions.

Hartford plans withdrawal of five of its businesses - those that sell on independent - the personal auto insurance and “roof” of responsibility in Michigan. Private buy screens to protect themselves the costs of litigation.

The request comes amid increasing interest and concern on insurance after the recent failures and very publicly by several large insurance companies. With rising insurance rates, find buyers are more than ever a need for policies and compare prices on the market.

“It’s a huge increase in consumer prices demand for this type of information,” said Stephen Brobeck, Executive Director of the Consumer Federation of America, a representation of interests in Washington. “Some countries have done a good job him, help others, a little, and some are not available on all help. ”

Sometimes the problems start with the attempt to reach the Insurance Division of the State over the phone. During the implementation of a study in the last month, the staff of Weiss Research, Inc., West Palm Beach, Florida insurance company that prices Carrier, found that in six departments US - Arizona, Massachusetts, Missouri, New Jersey, New Mexico and South Dakota - could not achieve without the other: the lines were busy, there was no rings or, if they answered, the caller has not spent a recorded message to speak with a person.

Worse still, the researchers found that insurance services in several countries, false or incomplete information on a vehicle insurance, Presidential Life Insurance Company, which was in the press because of concerns about their health Financial.

Most public insurance officials say they are doing a good job of providing information on insurance, which are all ok, it is often a thorny issue for most consumers.

But responding to the growing annoyance of the public, some services are reaching, consumer associations or extension of its services. In California, for example, a state the first elected insurance commissioner, John Garamendi, is developing a system in which the purchaser of self-assurance of the situation, a “900″ number to learn more about fares are more down to their particular needs.

Mr. Brobeck and other consumer advocates say that public services insurance tend to fall into two categories. Some, like New York, are actively involved in supplying consumers with information they can use to assess business and politics.

But the insurance department philosophies are different, and some services are less consumers and focuses instead on his role as a mediator between the public and the insurance industry. “The problem with this viewpoint is that people only a few regulatory authorities have never heard of the insurance management company forces,” said J. Robert Hunter, chairman of the National-Versicherungs-consumer organization, the interest of representation in Washington.

Insurance Division officials are beginning to respond to these criticisms. For the first time, the National Association of Insurance Commissioners travel granted to allow representatives of consumer groups to participate in the meetings. The association also help countries exchange information on business problem to the public, “said Steven T. Foster, Vice President, VA is also commissioner of insurance. Changes in Georgia

While California and 11 other countries to choose their insurance commissioners, the electoral process so far little impact on services more on the public, “said Hunter of the National-Versicherungs-consumer organization. But as the example of Mr. Garamendi and others show that perhaps changed.

In 1990, Tim Ryles, former director of the Governor’s Office of Consumer Affairs, Georgia was elected the Commissioner of insurance business after campaigns on a platform stressed that the representation of consumer interests. Since then, he has a list of automobile insurance rates for consumers and eliminates the mistakes of non-coverage for owners of cars are, like many games of 12 percent to the state.

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 address 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.

In a move to grow by at least 15 countries are considering or have the right to regulate or prohibit collision damages exemptions for cars. The release of the liberation of most customers of responsibility, when the car is damaged, an extra-cost option on all leases, but they were generally regarded as overly critical and unfair.

Given the growing dynamism of regulation, many companies, reversing past positions, he favoured a total ban on the renunciation of sale.

Demetria Mudar, a spokesman for Avis, said:”When it comes to a choice between the State and regulation of the abolition Collision Damage Waiver We favor abolition.”

This month, Iowa and Maryland enact laws governing exemptions as a form of insurance, Hawaii and is expected to follow shortly. The bills are similar, taking into account in New York, New Jersey, Ohio, Virginia and Washington State. And the legislature, Connecticut and Kansas have established, invoices, the same laws, New Mexico and Texas. This requires that rental companies report that their existing customers auto insurance, collision insurance for rental vehicles.

In addition, in meetings next month, attorneys general and insurance regulators markets to discuss strategies for changing the location of the automotive industry. At its meeting in Hilton Head Island, SC, the National Association of Attorneys General discuss the implementation of guidelines for the reduction of the Company abuse. And, at its session in New York, the National Association of Insurance Commissioners is expected to recommend that all states prohibiting the sale of damage waivers.

William H. McCartney, Nebraska, the director of insurance and president of the insurance sector Commissioners’ Task Force for car rentals, said:”insurance services throughout the country have received numerous complaints from consumers . And the simpler, cleaner way to the solution of many Dysfunctions, it must be said, it will not be Collision Damage Waiver.”

According to the model legislation of its author Task Force, companies must also conflicted, and business insurance mandatory, as Drop-off, taxes and supplements to rent at the airport sites - as Part of their base rate. The tenant will be liable for damages resulting from their own fault deliberate: while driving drunk, for example.

These proposals would help consumers, the real price, without using a calculator for all additional costs. Cost $ 7 to $ 13 a Day

Collision Damage exemptions now costs $ 7 to $ 13 per day. Some exemptions do not apply for damages which are not within 24 hours, accidents in which the tenant is resorted to errors in any angle or an accident occurring earlier than 24 hours after the driver has a single alcoholic beverage. The insurance supervisory authorities have accused the companies of charging framework exorbitant prices for bad, but the courts have decided that the exemption from contractual provisions are not insurance and therefore can not be regulated by the authorities public.

Notices and four other companies Budget Rent a Car Corporation, Hertz Corporation, National Car Rental System and Thrifty Rent-A-Car System - has recently approved a bill in California that bans conflict of exemptions, but makes customers rent for the first $ 200 over its entire length.

Si”Avis proposed for the release of all, we struck the nature of our chairs,’’said Timothy J. Howe, the Chief of Staff to Assemblyman Lloyd G. Connelly wrote the legislation in California. Given that the bill had little opposition, their passage is likely, “said Howe.

In many states, like New York and Florida, legislators have a choice between the bills, or regulate the sale of exemptions or the ban. Each approach has its supporters.

The question is the heart of the Iowa Supreme Court a case in which a man and Mexican women want the right to acquire a driving licence.

Proponents say an amendment of the law would help assimilate illegal immigrants and placed on the course to get insurance coverage. Opponents say it would only increase the number of uninsured drivers, estimated at 25000 and, finally, calculate prices for all.

If you can not find right, where is the real incentive to buy insurance anyway? “Says Bob Skow, Executive Vice President in charge of independent insurance agents of Iowa.

Skow said someone with a license, but no record or credit history is “invisible” for insurers consider both, if they premiums.

An “invisible” driver, he said, are the costs, 20 percent to 50 percent more reporting, even if he or she provides no known risk of conduct.

Skow predicted the additional cost would deter licensees undocumented from coverage.

Eleven member states allow undocumented persons to obtain a driving licence. Officials in these countries recognize the consequences were mixed, and they have no data demonstrate that both sides of the argument.

Under the procedure in question, Iowa is the case of Juan and Maria Sanchez, also known by a group of Mexico, I hope that governments Supreme Court justice to the Iowa Department of Transportation to test for driving licences of right.

The couple were ticket for driving without a licence and failure to prove coverage. The State is not a license to third parties without a social insurance number.

A Polk County judge threw the resort a year ago. Supreme Court judges would hear arguments Thursday. A decision is expected in spring this year.

According to his lawyer, the couple lives and works in Des Moines, and I have three school-age children. They were in the country five years. His action has helped assist the necessary liability insurance to protect the public.

Proponents believe that the granting of licences with illegal immigrants, the overall employment rate of uninsured drivers. Others say that the assertion is not proven. They also point out that the licenses could help terrorists, official documents, among others, on board aircraft.

The transport service is not, as many illegal immigrants are among the 16000 motorists in Iowa airfare each year for driving without a licence.

But Tyler Moran, policy analyst with the National Immigration Law Center, an advocacy group interests in Los Angeles, said that if immigrants to obtain licenses undocumented, many of monitoring and ensuring their vehicles.

In New Mexico, “dramatically improves the status of its quota uninsured drivers”, when it began to issue licenses for the year 2003, she said. New Mexico is one of 11 countries which do not require a legitimate presence in this country legally to drive.

“Given that these certificates are issued, there is less hit-and-Run Accident, and people are ready to interact with the police, because they identification,” she says. From the viewpoint of security public, it is good public order “.

Kathleen Baca, New Mexico, spokesman for the Department of Motor Insurance, said 33 percent of New Mexicans without leading auto insurance - one of the highest in the nation - up to two years. Since June 2003, New Mexico began issuing licenses for illegal immigrants, the proportion of uninsured drivers are introduced to 15 per cent.

Under the provisional agreement, the Authority had 10 voting members, half appointed by the governor and the other half by the legislator, Rep. John Heaton, Karlovy Vary a Democrat, said Saturday.

Three other members of the authority - the secretaries of Health and Human Services and the State Insurance Superintendent - will not participate in the vote.

The compromise - The decision should be announced Tuesday in the form of amendments to pending bills - aimed at quelling criticism that the plan Richardson, the governor had too much control of the authority, which expired the new system.

Also in the conflict, would appoint the director and whether - or how - members of the authority could have financial interests in the health sector industry.

Chief Negotiator have, for hours behind closed doors, reached Saturday in the framework of agreements with the Authority in connection with advisory committees and regulatory procedures, Heaton said.

Heaton, sponsors, Richardson’s proposal, lies the tentative agreement as “great progress”.

But there are fundamental differences in the two bills.

Richardson, the legislature to require New Mexican health insurance, to increase support to cover more people and require companies who have no health insurance for their employees to pay into a fund to help people buy insurance.

The coalition of interest groups on the other hand, the legislator for the creation of an authority, lurks a detailed plan of 2009.

“This is not a problem, which can be solved in a meeting 30 days,” said Rep. Luciano “Lucky” Varela, a Santa Fe Democrat, echoed the faith of many legislators seem reluctant and not not support radical change this year.

But a third proposal - the largest coverage of health plans taking into account - was placed in residential care and the Government Affairs Committee, on Saturday.

There was not enough support in committee, in order to protect the health Security Act its next meeting to stop it.

The proposal would lead to a large pool Insurance - publicly funded, individual premiums and employer contributions - which would almost all New Mexicans. This would relegate the private insurance of the economy to a complementary role as a disease of installation.

Benefits would be at least as complete as now the state employees and residents were able to choose their supplier of the proposal.

Dozens of people, has invited the Committee to the house on a Saturday consultation for the adoption of the plan, which indicates that the current system based on private insurance is broken.

“When you are satisfied with this system, it is because you have not yet used,” said Paul Eichhorn, works for a food to eat Albuquerque.

The attempt to reform the current system will not work, he said.

“Put lipstick on a pig is still a pig,” said Eichhorn Committee.

Zimmermann Adele Dixon compared the purchase of private health insurance to buy a lottery ticket.

“You pay your premium in advance, and you do not know if you’ve won or lost your request to your bill,” she says.

Opponents of the Health Security Act argued that this would be a rationing of health care and low access to new medical technologies and health care - are already in short supply - New Mexico.

Doctors north-west New Mexico, as doctors, whatever the practice could not survive in such a system.

An Albuquerque man said a local insurance against discrimination may be for him automobile insurance, because he did not speak English.

But world leaders assurances of Albuquerque, said the reason not to sell its insurance company Efrain Mendoza, because its employees were uncertain Mendoza understood the political mandate.

The head of the New Mexico Insurance Division, which regulates the insurance industry in the state, said the action could require further consideration.

“My feeling is that this is not true,” Insurance Superintendent Eric Serna said Saturday.

The judge pointed out that the other cheek.

Unversichert provisions should be, whenever you buy automobile insurance. If you fall, it must be in writing. Drivers uninsured coverage protects you against injury or damage by an uninsured driver.

A motorist is unversichert, if he or she has no insurance or can not be determined. Your insurance protects you, even if the other driver has some insurance, but not enough to pay your bills.

Roger Buelow, remembers the case. At an uninsured driver collapsed in a house is not assured. In the meantime, motorists uninsured in the coverage of auto insurance policies here only for injuries and damage to the vehicle and property in the vehicle. But James Richards wanted to be reimbursed for damage to his house.

“I was the vice-vis. I said, ‘You’re out of your mind’,” remembers Buelow, is now Vice President of Mountain State Insurance Group.

In Richards vs. Mountain States Mutual Casualty Co., the company argued that in court, that Richards would have a homeowner’s policy, but the Tribunal during the year 1986 on the page Richards.

“It was a remarkable decision,” said Roland food, a lobbyist for State Farm. “It is the accession of what the rest of the country. It is more a thumb on the scale. ”

New Mexicans in general, sight, their automobile insurance is expensive, because the state a large number of drunk drivers and uninsured drivers. These weigh say experts, but another important factor is the courts.

“I think the reason the uninsured drivers,” out of control, a number of legal proceedings were decided in favour of the complainant with regard to settlements of more liberal is typical in other countries, “says Chris Krahling, ex-State Superintendent of Insurance.

Trial lawyers, decisions are faithful to the rule of law.

What, NM is in a Catch-22: The number of uninsured drivers produced a large number of claims for uninsured motorist coverage. And because the vast Court decisions over the years now our beloved automobile insurance is more expensive.

“Whenever there is a surcharge paid Bock, which all received in the base rate,” said Krahling.

New Mexico began in the 1960’s, which relies on drivers of uninsured coverage. In the meantime, motorists had only to show proof of financial responsibility of the insurance or financial ability to repay a debt or post-checkout.

First, the sale of insurance companies to sell New Mexico, has been uninsured driver coverage, this would be the payment of damages in an accident during which an uninsured motorist was at fault.

“When he started, it was very expensive to cover two or three dollars per vehicle every six months for the minimum amount of coverage. You did not see many of those claims,” says Buelow.