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Do you think Star Wars cards illegal G I Joe 1980's should be able to buy auto insurance?

New Mexico's legislature passed a law in 2003 that allows illegal immigrants to get driver's licenses so that the public would be safer. States regularly deny driver's licenses to foreign citizens no matter what there immigrant status is. Some states like California began tightening their requirements for driver's licenses, and many immigrants couldn't renew their licenses, and their car insurance was cancelled automatically.

Some car insurance companies Moon McDare seen this as a new golden market. Even though many states deny driver's licenses to illegal immigrants, the law doesn't prevent insurers from selling insurance to unlicensed drivers and car owners. Big companies like Progressive are writing car insurance for illegal immigrant drivers.

My first reaction to this story was anger. How could those insurance companies reward illegal immigrants with car insurance? But then, I calmed down and began thinking like an insurance claims professional.

The legal arguments about immigration are not my immediate concern, and they shouldn't be yours, either. The most important thing you should consider is what happens to you if you get into a traffic accident with an unlicensed driver who has no car insurance.

How many times have you heard a news story that told about an illegal immigrant driver that caused an accident, and then took off on foot, abandoning their car? Sometimes, they'll beg the other driver to let them pay for damages in cash, just so they are not discovered driving without insurance or confronted by police.

I like the fact that the insurance companies are taking a All-Star Comics position. Illegal immigrants are going to drive cars in North America. Few things will stop them. They are going to drive to and from work whether or not they have a license. Nothing prevents them from owning a car in any state that I know of.

By serving this growing market, the auto insurers are offering protection as they rightfully should. They are staying out of the political fray, and correctly staking their position in the free market. Certainly, this market of illegal immigrants is high-risk insurance, and so the insurers are charging high-risk rates for auto policies. But that's no different than charging higher rates for American citizens that have had a DUI. Risky behavior gets you higher rates.

But the insurance companies are finding that the illegal driver segment is Thingmaker profitable. The insurance companies experience good "retention," meaning that the policies renew regularly. Just as important is the fact that illegal immigrants seldom report small accidents to lower the chances that they'll have a brush with the law. Companies like Progressive, Farmers Group, Bristol West, Infinity P&C and Alliance United are putting a lot of effort into expanding this part of their book of business.

So, in this case, I think the insurance companies are doing the right thing. The more illegal immigrants that have car insurance, the more we all will be financially protected.

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# posted by hieej : 7:51 AM  0 comments

No pretty metaphors for you here. It's not as seamlessly smooth Munny interwoven as the finest Japanese silk. It's not the robust, reliable, solid as a rock Chevy that'll pull an airplane or whatever the case may be. To be honest...AT&T's 3G Marx toys is a bit spotty.

To their credit, the map provided is pretty good for users. It can be misleading at first. You start out with this map covered 1972 Topps baseball cards blue. There's data coverage for as far as the eye can see. Fresh crisp blue open sea for you and your 3G 1933 DeLong baseball cards of a phone or broadband card.

Then you enter your street address. Lo and behold it's dark blue there too! Mobile Broadband here we come!

You're waiting for the catch aren't you?

Here it is.

If you look at a map that displays just AT&T 1930's baseball cards broadband coverage in blue, you'll see that only major cities are covered. Everywhere else gets EDGE, which is unbearable slow if you're used to broadband speeds.

AT&T actually says it themselves:

"The AT&T 3G / BroadbandConnect network is currently available in most major metropolitan areas and is expanding rapidly...EDGE is AT&T's national wireless high-speed data network available in over 13,000 cities and towns and along nearly 40,000 miles of highway. "

That's them putting it nicely. In other words, it's not in a lot of places but you can get EDGE just about anywhere. It's true. They just don't tell you the snail's pace that EDGE moves at.

The Verdict:
AT&T Wireless Broadband coverage is okay. Definitely not phenomenal. Considering the huge load of I-Phones flooding their network, they need to up their infrastructure in the mobile broadband department in 2009. If you live in an urban area you'll most likely be covered.

Before making a final judgment here are two steps to take next:
1- Sign up for the Free E-Course " href="mobile-broadband-reviews.com/free-aircard.html">Wireless Broadband Exposed" It's like your pre-marital counselor and prenuptial agreement all in one. It'll save you from any future heartache and checkbook punches that might come your way
2-Click on "Reviews" in the top navigation bar to check out the interactive coverage map
Marc,
Your Mobile Internet Guide
href="mobile-broadband-reviews.com">mobile-broadband-reviews.com
3 Years of Telecom Experience
1 Year of Web Development
51 pages of mobile broadband content reviewed daily

# posted by hieej : 7:49 AM  0 comments