The report indicates the average premium for automobile insurance in Kansas was $ 590 per vehicle during 2005, after $ 13 in the state budget for 2004, average. It makes Kansas the fifth lowest market prices for auto insurance in the nation.

North Dakota was the cheapest at $ 554 per vehicle. Iowa was second at $ 555.

New Jersey has been more costly to $ 1184 per vehicle.

The study is based on the principle all vehicles insured for liability coverage, which is the only coverage of Kansas drivers are required.

In another study, the average cost of a policy of Kansas with three types of coverage - the responsibility, conflict and complete - $ 750. This is the seventh lowest average in the nation.

Kansas Insurance Commissioner Sandy Praeger, said the figures show “Kansas has a healthy, competitive climate for purchasers of automobile insurance.

According to the Kansas Insurance Department, 160 companies offer auto insurance in the Sunflower State.

The study was 13 cities, under the direction of gland, a group of activists, has prodded the banking sector during the procurement practices of credit in disadvantaged areas. He described his research as the first national survey in a decade, if insurance companies Redlining practice.

The report comes at a time when the regulatory authorities across the country are expressing growing concern about the availability and cost of insurance for the poor, particularly in California, New York and Texas .

“Perpétuent discrimination throughout the financial marketplace,” said Maude Hurd, president of the organisation in 24 countries. “It may be time for the federal government to play an active role in protecting interests of low-income families and minority rights. ”

The Acorn According to the study, insurance agents are five times more often refuse to property owners in inner cities a chance to buy insurance, they are high-income residents.

The collection of data from the insurance company in five Midwestern cities also found that people in poor minority neighborhoods has been much more likely to be uninsured than residents of poor neighborhoods white. At Milwaukee, for example, houses in poor areas, minorities were more than four times more often than white-owned homes are without insurance.

A spokesman gland, Deepak Bhargava, said his organization had considered requests from insurance companies and data analysis after the publication of Chicago, Kansas City, Mo., Milwaukee, Minneapolis-St. Paul and St. Louis. In addition, the organization of agents interviewed in 624 calls in 13 cities across the country. Findings disputed

Spokesman for insurance companies bitter, they are guilty of discrimination by race or geography. The increased risk in disadvantaged areas to make insurance more expensive, they say, and often difficult for poor people.

“It is much more difficult and expensive to obtain insurance in urban areas, but it is often difficult and expensive for food and other products, said Lynn Schubert, an Assistant General Counsel with the American Insurance Association, an trade group of more than 200 damage and accident insurance. “We are absolutely against any form of racial discrimination.”

Sean Mooney, a spokesman for the Institute of Information on insurance, another insurance trade group, warned that many people is not ensured in a field could reflect the fact that poor consumers may decide not to buy. He said he had not had sufficient time to Acorn.

“I do not see that everything here on the question of whether someone can not get insurance,” said Mooney. “People are poor, sometimes not decide.”

If insurance is readily available and affordable is an essential element in economic development for urban areas, say the economists. Without insurance, real estate, the owner will be unable to mortgages and the economy are not able to obtain credit. And the city’s inhabitants to pay auto insurance premiums, which are often higher than suburbanites.

After the riots of 1968, a federal study revealed a lack of dissemination of insurance in urban areas, and the Congress stand prepared plans currently known as equity in access to insurance requirements, or FAIR. The plans were designed, insurance available to residents of high-risk areas, but since 1979 there has been no verification of the multi-state how many people are underinsured and how difficult it is to buy insurance in urban areas.

In Acorn findings that low-income neighborhoods were underinsured compared to the more prosperous regions. In Chicago, for example, only 51 percent of the occupied single-family units in neighborhoods were provided to low income, compared to 90 percent in high income. At Milwaukee, 51 percent of single-family in disadvantaged areas has been secured, compared to 84 percent in prosperous.

The new rules, the number of days that he has violated, to report an insurance company, that 30 of 90 It may also reduce the number of days that doctors are required to submit applications for treatment on the fact that 45 out of 180

The coalition has in its memory, records of the Supreme Court of the State in Manhattan, that strict deadlines would be fair to many victims and doctors were payments they are entitled. The État’s Insurance Department, but said that the new deadlines, to protect all car owners, because the old borders, insofar as greater opportunity for fraudulent action, as premiums increase.

The new rules, the entry into force on February 1, extensions allow an applicant if legt”klare and für”fehlt justify reasonable time limit.

But David B. Golomb, president of the New York State Trial Lawyers Association, one of the complainants, said in an interview that the insurers themselves, was”klar and reasonable,”and he felt that the company did not trustworthy enough on the standard.

A spokesman for the insurance sector Department, Allison Klimerman not agree. She said that the Division of the measures and undertakings fines or other disciplinary measures against those who are not applying the standard rate of law.

The coalition said the 30-day period for registration was the victim shortest in the country. Mr. Golomb said that in Kansas, Kentucky and North Dakota, for example, the period of two years, and in the states of Michigan and Minnesota, it was six months to one year. If no error insurance was in New York in 1970’s, the notification period was a year later reduced to 90 days, he said.

The no-fault in the self-determination of insurance policies in New York is to guarantee payments for medical care and lost wages for car accidents, where a victim injuries are not serious. Only seriously wounded May, a complaint.

The new rules also make it difficult for victims, do not respect the deadline for obtaining information useful for action, they are entitled to another file, “said Golomb.

It is not unusual for lawyers against the laws or regulations, they believe, would reduce complaints, but the New York Public Interest Research Group also denounced the new rules to join the suit.

”This change is not really helped, insurers, in order to fight against fraud,’’said Andy Goldberg, a lawyer Nypirg,”but it is to ensure that New Yorkers filing claims, while promoting insurance benefits. ” ‘

The applicants consider that a person whose injuries were serious enough to prevent the supply of him having regard to the insurance company within 30 days - for example, a pedestrian, was not in a position to know what insurance companies drivers - würde”Gesicht Denial-of - all services.”would be the victim of an accident is not familiar with the new deadlines to check, he said in court documents.

She added that doctors only 45 days for damages Datei”ist simply too short for many medical practices and billing companies.”

Ms. Klimerman said registration and reducing claim filing deadlines would suchen””früher insurers on salaries, reducing the Internet offers the possibility of unnecessary diagnostic tests and treatments.

If this treaty enters into force, the National Highway System designation of the federal law would remove control of speed limits, first imposed fuel as a means of winning in 1974.

Without federal budget, Montana is automatically America’s “highway” status. How many drivers in Germany by major highways, drivers in Montana interstates on the face of every day is not time to speed limits, because she screamed by Big Sky Country.

A generation of state legislators in the West has reacted violently to the introduction of the maximum speed of the National Institute of the nation maximum speed to 55 mph. States that do not comply ran the risk of losing highway money. During 1987, we read had the chance to raise the ceiling to 65 km / h on interstates in rural areas.

The dream to follow a regime of the race over vast green spaces, the state legislature, in the west accepted speed limits, which take effect only if the Confederation borders have been lifted. In Montana, lawmakers voted to restore a pre-1974 set by law, that motorists should drive at a rate reasonable and prudent. ”

Mr. Clinton has objected to the provision of speed limit and other parts of the highway bill, but it is feared, to sign it.

By its signature, maximum speed limits of 75 mph directly to Kansas, Nevada and Wyoming, and 70 km / h in California, Missouri, Oklahoma, South Dakota and Texas. Colorado’s legislative debate, a proposal to increase to a maximum of 75 km / h

In the East overloaded has not adopted any measures have been taken. In some countries in Eastern Europe, like New York, New Jersey, Massachusetts and Pennsylvania, speed limits can not be amended in the State Legislature. Others, like Connecticut, Rhode Island and Vermont, require action committees of public transport.

In the Rocky Mountain west, some have long argued that geography and population density of light provide a great fast lane.

“We have fewer people in this state that throughout the city of Honolulu, and three times as many cows as human beings,” said Andrew Malcolm, a spokesman Dir of Montana, Marc Racicot And provides a justification for opening up speed limits. “Public opinion is strongly in favour of old borders,” he added, referring to the state constitution-1974 before the law.

Security and insurance companies are to recommend to Mr. Clinton to veto the highway bill, which would be $ 6.5 billion in aid for states and the costs of a number of other Federal Regulations, as a motorcycle helmet, a ban on Billboard highways and staged a number of rules in connection with the truck.

Presses M. Clinton, a security group, Advocates car for highway and security, stressed that his father died in a car accident. “We can not repeal the law of physics,” said Katherine Hutt, a spokesman for the Washington advocacy group. “Physics in effect doubling every 10 miles an hour on the current speed limit. ”

Realizing that 4694 people died on Interstate outages during the past year, the group said: “The Congress has examined the account of a highway for the first time in history, more ‘ To kill Americans, as it saves. ”

Monday, the consumer advocate Ralph Nader implored President, to view, please, what is at stake - between 6000 and 7000 more deaths each year, tens of thousands wounded, disable, $ 19 billion in the field of public health and costs because a higher insurance rates higher worker compensation premiums, more air pollution, more imported oil and more risks on the highway putting out of the police. ”

Within five years after Congress raised rural speed limits to 65 km / h, deaths rose 30 percent on routes where speed limits had been collected, according to a study by the Federal Department of Transportation, said Speed contributes to one third of all highway deaths.

East favorable to the security’m wondering how the pilot of Flight Montana prices next month when they arrive on a stray cow or a patch of ice while traveling 100 km / h, the deadliest of the Interstate east in Montana, on I-90 in Silver Bow County, Computer-Aided a case study of death intergovernmental this month Hearst newspaper. From 1990 to 1994, measured in the study, the number of fatal breakdowns per 100 million kilometres travelled.

Given that national clamor for lowering auto insurance premiums also a proposal for an early solution to the attention of consumers and will enter into force for the insurance industry. The idea is simple: State laws that give the driver a choice between error and non-political mistake.

Drivers of private vehicles, can choose to be completed by political responsibility, with higher premiums or errors almost exclusively non-political, with lower premiums, not let the fact that individuals complain.

New project “Start”, a non-profit group of industry and consumers subsistence, it was found that products from USA in the adoption of the plan. Virginia Knauer, advisor of Consumer Affairs, President Nixon, Ford and Reagan, was named chairman of its national.

Certains”des USA are in a crisis immediately with a high level of auto insurance rates,’’said Knauer. ”We have a conversation about savings up to 30, 40, 50 per cent.”

At a national conference on auto insurance in Alexandria, Virginia, last month, Mrs. Knauer submitted the plan of his group, composed of proposals by Jeffrey O’Connell, a law professor at the University of Virginia, contributed write the first no-fault model law during the year 1966. New Jersey has established a similar approach to Jan 1, when it began to allow motorists the choice between the right to complain or approval not to try to justice, in most situations. “An approach gangbarer”

A leader of consumers, supports this two-pronged strategy is James Brown, director of the Center for Consumer Affairs at the University of Wisconsin-Milwaukee. ”This is a positive step,”he said. ”Given political realities, it is an approach gangbarer.”

Among the assurances of managers in favour of the concept is James F. Perry, Associate General Counsel of the State Farm Insurance Companies, the largest nation of the writer private automobile insurance. ”Our first reaction was that it was a heavy, uncomfortable idea,”he said. ”But how we react to the difficulties encountered in the right device, operating on no-fault insurance regulation, it seems to be an end to the dilemma.”

In no mistake, insurance is generally required for financial losses from their own insurance companies, whatever caused an accident. Nineteen years after Massachusetts adopted the first such law, only 14 States had no real mistakes systems. And few of them can appeal if the serious injury or permanent, as the State laws and regulations.

According to the Institute of Insurance Information in New York, ie no real assurance of debt are Colorado, Connecticut, Florida, Georgia, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota , New Jersey, New York, North South Dakota and Utah. Three of them - Florida, Michigan and New York - have strong no-fault laws, within the limits of costumes automatic injuries.

Insurance companies, a sharp rise in prices of attack to say that premiums are nothing more than a reflection of their cost. Their reaction is to support the passage of no-fault legislation, particularly those who allow themselves only when serious injuries, the costs to better meet the needs.

”There is no doubt that insurance companies have a genuine obligation of man are violated,’’said John J. Martin, the chairman of Aetna Life and Casualty Company’s division of the personal financial security and the president of the Insurance Information Institute. ”But we have a commitment just as legitimate as people, not debt. What is-no-fault, is the low demand from the litigation environment.” ‘Fast, more equitable and humane ”

Robert Pike, a Senior Vice President and General Counsel of the Allstate Insurance Company, said:”No error provides several dollars of USA, the customer pays for new customers of the benefits. The error is based on waste, inefficiency and delays. From non-guilt is a rapid, just and humane way of compensating victims.

The pilot should be easier for purchases of car rentals low this year, and many customers now the possibility of contempt enigma of the insurance branch and costly options, thanks to some new laws, guidelines and services of credit cards.

Many tenants are likely car to save time and money, but the savings for others across the board increase. Some important corporate car rental rates increased from 2.5 to 10 percent this week, compensation for the loss of their lucrative business of insurance, but it was unclear if the increase is maintained a sector known for the tough competition.

Missbräuchlichen sales and advertising practices last year, reported by consumer demand guide public officials and leaders of the industry itself were the motivations for changes to $ 6 billion in the year-hire industrial vehicles.

”Self-policing has not been the case in our industry,’’said Joseph Russo, spokesman for the Hertz Corporation, at the request of attorneys general of the nation to intervene during the last year. Guidelines

Last month, the National Association of Attorneys General guidelines for car rentals and advertising. In addition, last month in New York was the second review of State, Illinois, that the law requires a car-rental companies for acquisition costs for insurance of their vehicles, but as that consumers station to recharge $ 12 per day for reports that some states have a value of less than $ 1 per day.

On another front, American Express has broken with other sets of credit card issuer, last month by the availability of ready-automobile insurance to holders of its green card; owner of his gold and platinum cards , To receive one year. Officials in visas USA and MasterCard International said it had no plans to follow American Express’s, but ready-Car Company officials believe that, ultimately, to remain competitive.

The guidelines of the lawyers of the rule are extensions of existing laws, are assumed that the consent of the Association at its meeting in Washington in March. The application is then begun. For most of the automotive industry supports arrivals guidelines as a way of honest competition.

The main provision in the guidelines is that companies owe their required contributions in the principles that make advertising quote by phone or computer systems Reserves by airlines and travel agencies, said Arthur R. Weiss, a spokesman for the Kansas’ Attorney General, Robert T. Stephan. Mr. Stephan is the president of the National Association of Attorneys General’s Task Force on car rentals.

The Task Force said the report arrivals because companies used to deduct the price of its mandatory costs for gasoline and things like Laufleistung”nur to cover the costs of product.”Signed Consent Order

Last month, the Federal Trade Commission charged Alamo Rent-A-Car not required to disclose the airport surcharges and fuel costs for consumers, the company has reservations operators. Under an agreement signed on December 29, Alamo, without the authorization of debt, decided to disclose these costs in the future. But Alamo want no obligation to $ 12 fuel for a half-tank of gasoline in its base interest rate to pay, given that the guidelines require.

”We support full disclosure of the full and visible, but we are against the charging policy guidelines, require us to price our products has paved the way Hertz,’’said Liz Clark, a door - Alamo floor.

Alamo is also against state laws on banning the sale of damage exemptions, the tenant of the liberation of most debts, if a car is damaged.

So far, only New York and Illinois have banned the sale of exemptions, but a dozen other states, including New Jersey and Maryland, to consider similar bans. California and Hawaii recently legislation to regulate prices and the extent of exemptions and about 10 other countries, including Connecticut, Minnesota and Texas have laws, businesses, to attract customers with more information on exemptions.

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 rate of Kansas series less than half of what the driver of New Jersey pay more sporty expenses / premiums for the nation to $ 1200 and over $ 100 cheaper than the median average expenditure of the country.

According to the study in 1999, Germany average expenditure was $ 643, a decrease of 2.96 percent over the previous year. Twenty-one countries in collaboration with the District of Columbia had an average expenditure higher than the national average. Until that date, 29 countries had an average level of expenditure is lower than the national average, the median average expenditure in the next at $ 655.

Insurance Accident and health insurance followed closely behind with 29 percent of complaints. Homeowner insurance accounted for 18 per cent of complaints, while life, HMO, long-term care insurance and retirement, all reports in the different figures.

Sixty-Four percent of the total complaints handled problems related to claims handling, according to the report. Other problems were Underwriting (17 percent), insurance services (15 percent) and marketing and distribution (4 percent). Claims processing problems were deemed insufficient damage costs / supply (43 percent); refusal of the request (26 percent) and argue that the delays (24 percent).

Citing market conditions and the need to protect their financial position against claims arising from weather catastrophes and other losses, State Farm said it would start selling new policies as soon as circumstances permit. The moratorium in Missouri and Kansas could go up to two years.

State Farm auto insurance is offering new customers. It is also the main supplier of automotive reports in the two countries.

With the announcement on the Missouri and Kansas, the company is no more on new customers for houses, housing or mobile homes, or to provide new tenants in the affairs of insurance policies in ‘Arkansas, Kansas, Louisiana, Oklahoma and Missouri.

State Farm has implemented restrictions on sale in Arizona, California and Texas, and said that plans to pull out of New Jersey’s insurance market automobile as a whole.

The company says it paid $ 1.27 to $ 2.50 in Kansas and Missouri, for each dollar earned premium it in 2001. State Farm is always the renewal of customers in the USA, but in Missouri customers with an average increase of 13 per cent of the premium and rates are expected, spend an average of 16 percent for customers closes in Kansas.