RI Car Insurance
In case you haven’t heard, the Rhode Island Department of Motor Vehicles (DMV) is taking action to crack down on residents driving their cars without insurance, which became mandatory in 1993. They have developed an uninsured motorist database as a way to monitor who has car insurance and who does not.
Last June, we blogged about this as the regulation was supposed to go into effect on July 1st 2014. (To view our previous blog explaining this topic: click here) However, the ACLU (American Civil Liberties Union) got involved and the launch of this program was delayed. The ACLU argued that the database did not have proper regulations, and that it could lead to issues like unlawful disclosure of drivers’ personal information. The matter was settled when the DMV agreed to ensure better oversight of the private company running the database.
If you are reading this and you have RI car insurance, then you have absolutely nothing to worry about. This new program is to help the DMV crack down on people who are driving around without insurance. If you do get a notice in the mail and are currently insured, don’t panic. The uninsured motorist database is also going to help the DMV filter out discrepancies such as wrong addresses or incorrect VIN’s (Vehicle Identification Numbers). So if you receive a notice despite having active insurance, there is a good chance that you just need to double check your vehicle registration form against the information on your insurance card.
If you do not have insurance, finish reading this blog, pick up the phone, and give us a call at 401.723.8510 or visit our webite for an online quote. I am serious! Let me paint the scene for you: imagine you are driving along and get pulled over by the police; they ask for your license, registration and proof of insurance. If you have ignored the notices from the DMV, there is a good chance that you are driving with a suspended license, no insurance and a revoked registration. Considering that the basic reinstating fee is $251.50, the fines involved in this kind of violation are designed to be steep in order to encourage drivers to obey the law and purchase auto insurance.
The good news is that as the number of people driving with insurance increases, the
likelihood of accidents involving uninsured motorists decreases. This could potentially mean lower uninsured motorist insurance premiums for Rhode Island drivers in the next several years. Only time will tell how effective and efficient the new system will be, but hopefully it will help make our roads safer and our insurance premiums less in the long run!
If you do receive a notice and are insured by us, feel free to give us a call. We are always here to help. If you enjoyed reading this, please subscribe to the Blog Edition of the Loiselle Ledger, the official newsletter of Loiselle Insurance. As a subscriber you’ll receive bi-monthly emails highlighting our latest blog posts. Subscribe Now.