Knowing Who Bad Drivers Are Keeps Insurance Costs Lower
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The proposed legislation, Assembly Bill 737, would have permitted most persons convicted of violating a traffic regulation to attend a driver improvement course. It would have prohibited courts from providing conviction records to the
"While having traffic violators take safe driving courses is a good thing, keeping the record of drivers who have been convicted of violations out of the state database is not," Johnston said. "These records are used by insurance companies to accurately assess risk and determine the cost of automobile insurance. If that data is not available to insurers, the likely alternative is that insurance costs for everyone goes up because no one would know where the risks should be appropriately allocated. That means good drivers would be subsidizing the cost of insurance for bad drivers. And that is not fair to good drivers."
Johnston said that drivers whose traffic violations are dismissed by courts following completion of traffic school are more likely to be in another crash within a year than drivers whose convictions remain on their driving records. He observed that traffic school dismissals mask high-risk drivers who then are allowed to sidestep penalties, including license suspensions and revocations, that normally would be deterrents.
"Studies by the
NAMIC is the largest property/casualty insurance trade association in the country, serving regional and local mutual insurance companies on main streets across America as well as many of the country's largest national insurers. NAMIC's 1,400 member companies serve more than 135 million auto, home, and business policyholders, and write more than
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