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Failure to produce an insurance certificate was, and still is, an offence. The HORT/1 was commonly known – even by the issuing authorities when dealing with the public – as a "Producer". As these are seldom issued now and the MID relied upon to indicate the presence of insurance or not, it is incumbent upon the insurance industry to accurately and swiftly update the MID with current policy details and insurers that fail to do so can be penalised by their regulating body. Insurer, and Vehicle Excise Duty VED / licence data, are shared by the relevant authorities including the Police and this forms an integral part of the mechanism of CIE. All UK registered vehicles, including those that are exempt from VED for example, Historic Vehicles and cars with low or zero emissions are subject to the VED taxation application process. Part of this is a check on the vehicle's insurance.

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Motorcycle insurance may carry lower property damage premiums because the risk of damage to other vehicles is minimal, yet have higher liability or personal injury premiums, because motorcycle riders face different physical risks while on the road. Risk classification on automobiles also takes into account the statistical analysis of reported theft, accidents, and mechanical malfunction on every given year, make, and model of auto. Cents Per Mile Now 1986 advocates classified odometer mile rates, a type of usage based insurance. After the company's risk factors have been applied, and the customer has accepted the per mile rate offered, then customers buy prepaid miles of insurance protection as needed, like buying gallons of gasoline litres of petrol. Insurance automatically ends when the odometer limit recorded on the car's insurance ID card is reached, unless more distance is bought. Customers keep track of miles on their own odometer to know when to buy more. The company does no after the fact billing of the customer, and the customer doesn't have to estimate a "future annual mileage" figure for the company to obtain a discount. In the event of a traffic stop, an officer could easily verify that the insurance is current, by comparing the figure on the insurance card to that on the odometer. As a practical matter, resetting odometers requires equipment plus expertise that makes stealing insurance risky and uneconomical. For example, to steal 20,000 miles of continuous protection while paying for only the 2000 in the 35000 to 37000 range on the odometer, the resetting would have to be done at least nine times, to keep the odometer reading within the narrow 2,000 mile covered range. There are also powerful legal deterrents to this way of stealing insurance protection.

 

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We are here to help auto accident victims understand their rights and guide them on the right path to recovery. First, you must understand your rights after you have been injured in an auto accident. Since Michigan is a “no fault” insurance state, you must look at your own auto insurance carrier and the other driver’s auto insurance carrier as a source of recovery. Your auto insurance carrier is responsible for repairing your vehicle, paying for any lost wages, paying your medical bills, medical mileage, attendant care, and paying for help around the house if necessary. It is important to understand that your own auto insurance company is obligated to pay all reasonable and necessary medical bills and expenses associated with the injuries you suffered in your auto accident for the rest of your life. If you have a coordinated policy your primary health insurance carrier may be billed first and then your auto insurance carrier will pick up any unpaid balance.