Vermont Insurance

If New York, Eliot Spitzer L. Dir (D) announced six weeks, that illegal immigrants would be able, for driving licences in his country, he expected some opposition but not a national tour of fire. After the seven other countries, the Republican chairman and Democratic national central banks, has implemented similar plans, without much to be denounced.

But what began as an opportunity for undocumented residents to take tests on the road and auto insurance, without fear of deportation in a polarizing issue in his own party yesterday and for some of his closest supporters.

“Anything that today is more controversial, given that we have conducted by a failure of efforts to reform immigration,” said Spitzer in an interview. “The second reason why it is possible for such a subject, the presidential campaign, where immigration policy and avant-centre.”

Spitzer’s Plan rockten New York, when he was signed on September 21. But Tuesday’s Democratic presidential debate has cast a coup light on national efforts, if Senator Hillary Rodham Clinton of New York published change, if it supports the initiative. At least one of his challengers staunchly against the proposal, while several others chastised for its exposure to a larger one.

Steve Malanga, a scholar with conservative Manhattan Institute, suggested Tuesday that the democratic debate highlighted “doubts about the license program,” and added: “If candidates from your own party, as a problem hold, you have a problem.

Spitzer’s Personal consult today with Clinton, but he would not say what he understood his position on the subject.

New Mexico Gov. Bill Richardson is not the subject of debate, if implemented a similar plan during his first year in Santa Fe. Health and Human Services Secretary Mike Leavitt, a former Republican governor of Utah, also issued licences to conduct illegal immigrants. Leavitt’s plan was overruled by his Republican successor, after the state of the Bush administration.

In the proposal pitch, six weeks ago, Spitzer, New York, a former attorney general, noted that the States to say with the consequences of millions of illegal immigrants in the absence of a coherent national policy. He argued that the certificates would be no less as a force of 1 million New York for tests on the road and get automobile insurance, reducing premiums and illegal immigrants, a path in a legal system audited.

But the enemies, said the plan rewards illegal behavior, and some have said it could undermine national security and noted that several of the September 11, 2001, had the air on board aircraft with illegal obtain licenses.

After negotiations with the Department of Homeland Security and personal phone calls with Secretary General Michael Chertoff, announced a review of Spitzer, the plan to three last week in the undocumented immigrants is a license can not be used on board flights or abroad. Licences are labeled “not for the confederation.

Homeland Security, said the official plan meets their concerns. But immigrant groups, rights have been assumed by Spitzer decried the governor and blamed him to abandon a “license for all” approach.

“A system is clearly a gradual licensing system separate and unequal,” said Chung-Wha Hong, executive director of the New York Immigration Coalition. “In this toxic environment, with regard to illegal immigrants, and with the Clerk County risk returning candidates in the province of sheriff, it is an invitation to racial profiling and anti-immigrant hostility, “she said.

Spitzer, work has pledged to “extremely difficult, make sure that this will not happen.”

In an agreement with Homeland Security, Spitzer won a concession by the federal government, an improved version of the state to use driving licences for frequent travellers from the Canadian border. From January, the government requires a passport or other secure identification for agriculture crossings. The mandate has given rise to deep concern in the border regions, with major hubs, lines of industrial property could have a negative effect on transport and tourism.

It is disturbing to learn that New York is now regarded as the capital of insurance fraud Automobile USA (news article, Jan. 10). Scam artists to tear the camera, and honest citizens to pay for it.

As you recall, the largest auto insurer, increased its prices in New York is the invasion of fraud in the no-fault insurance claims. Rally of the Republicans propose to lower prices for auto insurance and protect the long-term interests of consumers by setting deadlines for accidental damage, the creation of standards for treatment of injuries, accidents and the creation of a “fraud Whistleblower””Anreiz Reports; further fraud appropriation to the Crown, Verbot”und”Läufer dispute settlement medical care outside the courtroom, and Insurers for the savings to consumers by reducing premiums.

New York should be a no-nonsense approach to the fight against fraud.

STATE legislators have over 600 laws aimed at extending the benefits of health care by many employers. However, studies of scientists and others indicate that these mandates may have unintentionally, back impact - reduction of coverage by swelling the ranks of more than 30 million Americans without the benefits of health care.

STATE legislators have over 600 laws aimed at extending the benefits of health care by many employers. However, studies of scientists and others indicate that these mandates may have unintentionally, back impact - reduction of coverage by swelling the ranks of more than 30 million Americans without the benefits of health care. Small employers say they can not be additional costs for fulfilling these requirements.

The State mandates, which is also against insurers cover a wide range of services, prenatal care for pregnant mothers to health practitioners, fear of conventional medicines.

Some Member States have also experimenting with the requirements that most employers offer health benefits to young workers. Hawaii and Massachusetts have already such laws, but their prospects in other countries seem favourable.

In Massachusetts, who is a prisoner of a squeeze exercise, the house had last week dismissed a request that employers participating in the progress of the new global right to health care. But the Roll Back It is expected that the opposition in the Senate, rigid and should be a veto if it reaches Dir Michael S. Dukakis, pushed by the law, in his presidential campaign last year.

The situation is reversed in California, where the state has recently approved the Assembly to require employers insured. If the Senate on Dir George Deukmejian, a Republican, can not veto the action. But the problem can return to a national vote. A group, supporters of Proposition 103, California, the referendum to reduce auto-insurance rates, was a similar effort for broader access to health care.

Woody Eno, a lawyer with the Law on Health Insurance Association of America, a trade group in Washington, said 314 bills to expand public or private health insurance was introduced this year in 45 countries. In Oregon, a new law increases the risk of a tax on employers who have no health insurance. The state already provides tax relief for small employers who offer health benefits.

Maine and Vermont recently added benefits, care of babies and children and adults with disabilities, their Medicaid programs to low-income population. Maine also added incentives to encourage employers to offer fewer health benefits. Prenatal for pregnant Frauen”ist one of the biggest problems,’’said Michele Solloway, Senior Research Associate at the interval for State Health Policy Project at George Washington University. Last year, Congress extended the eligiblity requirements for Medicaid for pregnant women and infants up to one year.

The Health Insurance Association of America promotes the development of Medicaid, said Carl J. Schramm, President of the Washington Group on Trade, but he opposes state mandates. Greg Scandlen, director of research at public service of national authorities and Blue Cross Blue Shield Association, said Arbeitgeber”neigen smaller, coverage Drop”anstatt costly new requirements.

Gail A. Jensen, an economist at the University of Illinois at Chicago, 1320 small employers interviewed across the country. More than 16 per cent said they do not offer insurance because the cost of public mandates. Most large companies are assured themselves of the state and the requirements of federal law, and half of U.S. companies with at least 250 employees are insured by themselves, Professor Jansen. Thus, said John C. Goodman, an economist, directs the National Center for Policy Analysis in Dallas,”mandates of the rule for only a small part of a State of people.”

The National Federation of Independent Business, an advocacy group in Washington, says that most young businesspeople provide health benefits for workers, if they could afford the costs. Jim Weidman, head of state in relations of the Federation, said a recent survey of 5300 businesses showed that two thirds of countries have plans for health, at least a few people. ”But for smaller companies which, typically of three employees, there is no insurance products, economically viable,”he said

Former enemies, whose fighting has stymied action on health care for nearly a decade, finally agree on something must be done.

Your recipes still differ, but the heads of both parties indicate that the growing number of Americans uninsured and rising spiral of health care costs will limit the politically treacherous subject to the national agenda. (Articles: Key health plans had no coverage for)

“The health system is so stretched and stressed that something must be done. The health system is in crisis the need for some sort of transformation,” Health and Human Services Secretary Tommy Thompson said. “Our current system is in the true meaning of the words collapse, “said former Vice President Al Gore.

The choice of last week, Senator Bill Frist of Tennessee as Senate Majority Leader, prospects for action. A doctor who stressed, Health Care Issues, the period indicated, his experience, when he spoke with journalists after Republicans in the Senate, by the success of Mississippi Senator Trent Lott, who resigned under fire. “We need to focus on the uninsured and those who suffer from health care disparities that we so badly treated in the past,” said the deadline.

Of course, an agreement in Washington that health care in the attack must be made, does not mean they are solved before the 2004 elections. The issue is complex and controversial, and most of the corrective measures which means billions of dollars a year at a time when the federal government once again running budget deficits.

The debate on health care has changed since 1993, when President Clinton proposed to create a complex that the revision was his wife Hillary and verwildert by Republicans. Finally, it was sunk by scepticism, perhaps the best example of “Harry and Louise,” which fictional couple in industry-funded TV spots, fuelling fears about the consequences of a change in the system.

This time, most Democrats propose plans laborious prevent the specter of a Clinton-style resumption of the bureaucracy of the health system. And this time, many Republicans feel obliged to show that some of its own solutions.

“There are enormous pressures in the economy and for employers and workers to cope with this,” said Senator Judd Gregg, RN.H., is in line to the presidency of the Senate health committee next month. Some of the GOP’s staunchest supporters, including the National Federation of Independent Business and U.S. Chamber of Commerce, pushed to act because of complaints about costs throwing snow balls.

In March, a couple strange coalition will sponsor “on the cover not covered Week”, an information campaign modeled on the environmentalists’ Earth Day. Behind the men from rich families USA, one of the main groups ’sustained interest that the Clinton plan, according to the Law on Health Insurance Association of America, the group of Harry and Louise.

Action can not come too soon for Patricia Sanchez, 48, Barstow, California, has joined the growing mid-had no class, if their company lost a government. And their employees were laid off in February. With good reason, they have expanded their business could be health policy, but the $ 428-a-monthly cost would have consumed more than a third of their unemployment benefits. When they are naked for a bone of insurance, it was rejected, because they had been treated for breast cancer during 1999.

She was so frightened about their lack of insurance, they result in a Follow-up mammography months of fear, they need more treatment - the treatment may not be able to provide. Things are now on research: Sanchez, finally, check-ups in August own and received a bill of health, and she began working with a consulting service.

But the work is not new to offer health benefits. “I would like to see, they are health coverage can get something from someone,” said Sanchez. “Other countries are doing. Why can not we? ”

“A factor of fear”

The violent polemic on the Clinton plan, not only invited to the White House until September 1994, was, which represents a signature campaign promises. He was also responsible for devastating losses Democratic Congress elections two months later. Since then, most politicians have seen that the system is too complicated to repair and filled with political risks to try.

“It is a factor of concern out there,” said Senator John Breaux, D-La., A chief influence on the environment and health coverage questions. But he said that his colleagues in both parties were fascinated by the prospect of new approaches.

“I think it is quite new born, after a hibernation over several years,” says Christina Jennings, Clinton’s top White House adviser on health care.

During the economic boom in the years 1990, problems of health care easily. Managed Care programs helped keep the rising costs by decreasing negotiating with doctors and hospitals and limiting access to some expensive tests and specialists. Some employers benefit from better quality of earnings of workers in a labour market. Many countries to extend the reach of children and some of their parents sponsored by the federal Children’s Health Insurance Program (CHIP).

But now, the problems are becoming worse, especially as the economy weakened. After filing in 1999, the number of Americans lack health insurance increases, to 41.2 million last year. After several years moderately increases the costs of subsidy for those who are explosive coverage - 11% in the last year and a forecast of 13% this year. The average employee premium is now $ 174 per month for family coverage. And United, where budget crises have begun to weigh.

These developments have been searching for solutions:

In the State of the Union Address next month, President Bush is still relatively modest proposals to offer tax breaks for buying health insurance and to limit abuses of rewards, a chance to control costs. The execution of the campaign promises of Bush to extend the coverage of medication prescribed for the elderly is one of the best in management priorities, “said Thompson.

Thompson has insisted on more proposals on health and costs of coverage, and Bush is expected that pilot projects in several countries to experiment with new approaches to cover the uninsured and address other problems.

Gore, announced that in this month, he will not run the president during the year 2004, yet plans for a speech at the beginning of its proposal for a program funded by the State shall that health care for all. The so-called single-payer system is often regarded as a “Canadian-style” plan; Gore clearly indicates his version of Americans. Associates say that his proposal offers a range of plans, which are managed by private insurance companies, not the government.

Western painting new speed limit sign, convinced that next week by President Clinton signed, what his friends and enemies “pedal-to-the-metal.”

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 for Highway and Auto Safety, recalled 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 have 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.

The Bush administration and New York, cut displayed on a Saturday to create a new generation of super-safe driving licence for U.S. citizens, but also the possibility of illegal immigrants, a version.

New York is the fourth country to an agreement on federal licenses approved the World, Arizona, Vermont and Washington. The question of press to ensure border controls, in which new rules are more stringent and move quickly to force crossings.

Arizona announced in August deal not think issuing licenses to illegal immigrants, said Jeanine L’Ecuyer, a spokeswoman for Arizona Janet Napolitano, Dir.

The proposal by Arizona version would not be accessible to everyone in the country illegally, given that one uses the 3-in-1 would be to prove identity for the USA of citizenship, said L ‘Ecuyer. It could be a license as proof of citizenship and as a document passes valid for travel to Canada, the USA and Mexico. It would be voluntary and for a small fee.

“It is clear that something will not be available for people illegally in the county,” said L’Ecuyer.

New York, much more than a month after Dir Eliot Spitzer announced a plan under which illegal immigrants currently valid passport of a foreigner can obtain a license.

Saturday’s agreement with the Homeland Security Service is a system of licensing of three in New York. It is the first state so far in the government of the post-Sept. 11 effort to make more identity.

Spitzer, has faced much criticism on the issue, said the agreement provides that New York will be the doorman licensing system the safest in the nation. ”

Homeland Security Secretary Michael Chertoff said he was not pleased that New York on the topic with the IDs of illegal immigrants. But he said there was nothing to do, he could stop it.

“I do not know link certificates to people who are not legally, but federal law allows countries that the election,” said Chertoff.

The Governor, we, along with its licensing plan for illegal immigrants. But partisans on both sides of the debate said Spitzer had brought pressure by adopting an attitude of management more stringent safety standards for most drivers licenses.

GOP Rep. Thomas Reynolds, represents the Buffalo suburbs, said he was pleased, Washington had taken its concerns across the border identification. But he said he feared that Spitzer is taking this country a dangerous path “by mentioning the nature of the license illegal immigrants.

In the compromise, New York is a “strengthening of driving licences, as safe as a passport. It is designed for people who must be soon for such ID requirements, even for a short trip to Canada.

A second version of the licence is issued to new standards of the federal Real ID Act. This law is designed, it is much more difficult for illegal immigrants or aspiring terrorists of the need for licenses.

A third type of license is available for non-documented immigrants. Spitzer said that the ID east of the State to ensure that people “out of the Shadows” and in American society, and are automatically lower prices of insurance.

These certificates are clearly show that they are not valid federal ID. Officials, but would not say whether that meant local police could benefit from such a licence as probable cause for detention someone is suspected, the USA illegally.

“Regardless of whether a massive defeat for the governor, I can not imagine many - if ever - illegal immigrants come forward for drivers licenses, because it is also marked as illegal,” said Rep. New York Peter König, up Republicans in the House Homeland Security Committee.

New York, between 500,000 and 1 million undocumented immigrants, many of which are driving without a driver’s license and auto insurance or false driving licence, Spitzer said September, when he announced, its executive.

For parks and Greg Bob Doyle, there were few tangible reasons to purchase a civil union - Vermont against the legal equivalent of marriage for same-sex partners.

A couple of 27 years, Parks and Doyle spend less on auto insurance now, as a policy. You pay a little more on a joint tax return of the State. And even if they mention the benefits of civil unions - the joint planning for the period of health care - what they find important unions about their goes beyond, legal and financial issues.

“It is dense, our relationship to ourselves, our colleagues and families,” said Doyle. “There is no longer acceptable, because we have a moral person.”

In many ways, parks, 51, and Doyle, 49, of 6613 typify couples took advantage of the first law of the State to give gay couples the same legal protection mechanisms such as marriage. They are, like other couples who received civil unions, older than the average married heterosexuals. They are a little better trained and better in his career as a parks Chef and Doyle as a real estate broker.

Vermont’s civil experience of the Trade Unions Act since its entry into force in July 2000 provides an overview of what people like homosexual marriage, where laws in force in two other countries this year and next. A State judgement of the Supreme Court of Massachusetts November 18 requires the state to start issuing marriage licenses of gay couples in May. In California, legislation establishing national partnerships with the same rights as marriage can enter into force in 2005.

Vermont statistics indicate that homosexual marriage is a call that married couples, both within and outside the state. The annual number of civil society-unions ceased after the first year. Exactly half of gay households in the state are entitled by law.

Vermont also offers an overview, as the company responds to gay-marriage. The strong opposition from unions against civilians, the source of the law has dispersed, as it clearly what are the gay unions and what they are not. And the forecast gay invasion “of the state by outsiders of the legal research refuge, he failed to materialize.

“It was a transformation of how people are afraid of unions, civil rights has come to appreciate people, they get,” said Bill Lippert, a homosexual legislation of the Member State, chairs a committee verifying the effectiveness of the Civ-EU law.

The love, not money

What is striking, Vermont on the experience of bourgeois unions are the reasons for lesbians and gay couples have chosen to take advantage of it. Although supported gay advocates long for the rights of marriage, a majority of same-sex couples that you wanted unions for emotional reasons, same-sex couples to discuss their unions, many civilians in the same way as heterosexual couples about marriage.

Esther Roth Blum, a University of Vermont psychologist, co-author of a study of the bourgeois unions, said 80% of couples polled said they civil action received a union of love and Commitment to another. “Only 20% said they were motivated by legal reasons,” she says.

Lucia Osiecki and Deborah Jones of Brattleboro, Vt., are typical of the majority. In May, the couple had a law before the ceremony, a justice of peace. You have chosen the precise day. He had 23 years to the day, they have no right to a ceremony at Kentucky. “We have not done right at the end,” said Osiecki. “We succeeded because we loved each other fairly and treated for an obligation.”

Such events could they explain a change in the attitude of Vermonters. If a decision of the Supreme Court of Vermont State forced the legislature, rightly, in the year 2000, nearly two-thirds of respondents against Vermonters and civil unions. A setback conservative Republicans had a majority of the House of Representatives and costs of nearly Dir Howard Dean election in 2000 because he signed the law.

But given that civil unions to a fixed point of the opposition please. A slight majority and is now promoting civil unions. And half the legislators elected on an anti-civil union platform during the year 2000 is not to win new elections in 2002. Janice Litchfield, the city purchasing woman / man for Newfane, a white-clapboard village near the border of Massachusetts, won by the dozen couples in the Out-of-State, in his office each year, pay $ 30 for their civil union license. “You get the impression they worked for a long time, and they are very pleased to officially,” she says. “I think it is great.”

The average age for homosexuals and lesbians want civil unions and is 39 in Vermont - six years older than the average for heterosexual couples to marry, if Vermont. Compared to the national average, civil union couples are better trained (on average an additional year, college or a Graduate School). They deserve something more than the national median income.

In this city who work hard, wheat and cycle time on the edges of backyards, Albert (Buzz) Olson has a new way to sell gas and work in the city as postmaster - at the same time .

It is entirely fait”In Your Honor,’’said the charming owner of service station, pumping gas key to almost all adults in the city - 42 drivers. ”Just click on the button, pump gas fields, its money in the slot and its nature and joyful. Have you not nickel have not yet lost.”

A service station on the honor system is not only characteristic of Golden Valley County, but it is less representative of the State of North Dakota, as a series of routine lowest crime rate in the nation . According to Federal Bureau of Investigation statistics for 1994, the latest figures available, North Dakota Nation, the lowest rate of murder, rape low lowest violent crime and the low level of prisoners in detention.

In this city of Fargo to agriculture, the state’s largest city, the low level of crime allows for human behavior seems bizarre by the way.

In January, while a bitter, three days a software component plug cold, Jeff Olson, is not related to Albert Olson, never resume his car during the day.

”For once I car garage in the morning, I come, it will operate for 15 or 17 hours in einem”Parkplatz, said Olson, an art gallery Bismarck, the capital of the country with a population of 50000

In New Rockford, Ken Throlson, a buffalo Rancher, it is never the key to the ignition of his break, whatever the weather. He snorted,”It is crazy me, if someone from my family is the key.”

Down in Fargo, people are always dampfenden on the film of the same name, the image of seven murders in two hours. Last year, Fargo recorded a murder.

Federal State, murder was the lowest rate - eight in 1995 - that the authorities have a general rule, the bodies of the victims shipment of murder for autopsies neighbor Minnesota. But with the Minnesota station recharge as much as $ 15,000 for each autopsy, coincements penny North Dakotans in June and created the Office of public medical examiners.

Experts caution that the new post does not mean that law and order are unraveling on the plateau. North Dakota’s crime rates are essentially the same level they were 15 years ago.

In Fargo, a city dominated by a regular boat Viking Memorial Norwegian pioneers, serious crime is so rare that the local newspaper, the Forum has no full-time journalist in the police beat. After a rash of burglaries, police Fargo has made this year to teach the city of 80000 residents to lock their doors and windows when you leave the apartment.

”I have friends in town, do not lock their bikes, their cars, their homes,”Rathge W. Richard, director of the North Dakota State Census Data Center, said Fargo.

Because of low crime rates, security, usually far from the hands of the state and insurance companies cost of auto insurance lowest rate of the nation, according to the National Association of Insurance Commissioners. The average duration of the auto insurance premium is $ 467, compared to $ 1106 in New Jersey, the most expensive in the country.

The basket of indicators North Dakota behind the low crime rate for which give an overview of crime are higher elsewhere, criminologists say.

In a state that only 28 currency snatchings and 35 cases of armed attacks during the year 1994, experts cite factors ranging from crime cold much of the rural population and strong families.

Vierzig”unten believes that the riffraff,”cup of hot coffee sold Bismarck, a city known for cold winters.

States with the lowest rates of murder during the year 1994 was at the bottom: North Dakota, Vermont, South Dakota, New Hampshire, Maine and Iowa. The highest rates were murder, in order, Louisiana, Mississippi, Arkansas, Alabama and California.

”North Dakota is cold, and for a number of months of the year, people are outside - in Louisiana, it is year-round,’’said Scott Morgan, a Kansan, published in July, a survey, Crime State rankings in 1996.

After 17 months of investigation Undercover in the assurance that fraud include the creation of a false-selling car-Shop, the New York City police arrested 22 people yesterday, including two government employees, to the detriment of the sale of its cars and then, wrongly, reports have been stolen, officials said.

The Bronx District Attorney’s Office, activity in the Sound View, in March 1998.

The 22 were grand theft, attempted theft and large insurance fraud, and police had the names of 22 suspects. In addition, police officials said that four men accused of being men in media transactions were arrested last week.

Insurers paid more than $ 750000 in false allegations, said Robert T. Johnson, the Bronx District Attorney. Officials expect that the survey result that more suspects.

”This implies that all citizens to note that fraud is not tolerated as a solution to their financial difficulties,”Mr. Johnson said during a press conference at Yankee Stadium parking lot, where police in dozens of vehicles seized, itchy, including two cabs of tractor-trailer rigs, trucks, sports cars and four door-to - limousines.

In total, authorities were able to resume 47 cars - 40 was applied in the wrong business by means of men and then reported stolen and 7 that were actually stolen. The District Attorney’s Office will pay more than $ 2500 for each vehicle, including two taxis tractor-trailer, Connecticut and Vermont.

Police officials said that the vast majority of suspects had no prior criminal record, and Mr. Johnson said, most of them waren’’sonst honest man.”

William F. Zelenka, an assistant to the deputy prosecutor and head of the fire, cars and Economic Fraud Bureau, said the government, two representatives, employees have been arrested have been an officer of the jurisdiction of the Supreme Court of the State in the Bronx, Cheryl Pendola, and an engineer to State Department of Transportation, Rasheed Balogun.

The defendants now with a maximum penalty of seven years in prison if convicted on the most serious reservation fee.

Typically in such cases, people trying to unload their cars contact between traders, police, who say they are often linked with organized crime. These distributors to sell cars, then - know they will be reported stolen - a store that reductions for parts, or a merchant ship them overseas, “said Howard Safir, police chief.

Officials said it began the study because of the high rate of auto insurance fraud is based on false reports of theft in the New York metropolitan area, especially in the Bronx.

”We receive vehicles from Connecticut, Massachusetts and Florida, and they come here all Bronx County,’’said Zelenka.

Ten per cent of car theft reported in the country are false, but in the metropolitan area, the rate of 20 per cent, “said Zelenka.

Thomas J. Sullivan, the head of the regional security in Woodbury, NY, Antenne of the GEICO, the insurance company, said this type of fraud is forcing companies increased premiums for all consumers.

Collision repairers in Vermont consideration of legislation, insurance is officially a crime of fraud at the Green Mountain State.

House Bill (HB) 150 is currently in the lower Chamber of Commerce Committee. The full House of Representatives and the Senate have been systematically expects that to approve the measure - a model for regulation of insurance - until Vermont Auto Body Association (free) was aware of several elements in initiating a legal activity on the right of appeal issues of colonization and other complaints.

The bill prohibits class action against insurers, including language courses, a collision shop in a position to lodge a complaint for insufficient payments or other subjects.