Better protect citizens in the event of a car accident with an uninsured motorist
Impact
If enacted, HB 4374 will significantly alter state laws related to motor vehicle insurance policy verification. The bill requires insurers to cooperate with the DMV in establishing and maintaining the electronic program, which includes comprehensive data security measures to protect personal information. This legislative change may lead to increased compliance among insurance companies in maintaining records and could facilitate better tracking of uninsured motorists, leading to potential legal and financial ramifications for those operating without insurance.
Summary
House Bill 4374 aims to enhance the protection of citizens involved in car accidents with uninsured motorists by mandating the development and implementation of an electronic insurance verification program by the West Virginia Division of Motor Vehicles (DMV). The bill outlines the responsibilities of the DMV and insurance companies in verifying the existence of mandatory liability insurance coverage. By creating an electronic system, the state intends to streamline the verification process, improve data accuracy, and ultimately reduce the number of uninsured vehicles on the road, thereby enhancing public safety and accountability.
Sentiment
The general sentiment around HB 4374 appears to be supportive, especially among stakeholders concerned with road safety and reducing the risks posed by uninsured drivers. Proponents believe that the electronic verification program will prove to be a practical solution for enhancing accountability in insurance coverage among vehicle owners. However, there may be concerns related to data privacy and the administrative burden that some smaller insurance providers might face in adapting to the new system.
Contention
While the bill has garnered support, potential points of contention include the effectiveness of the implementation plan and concerns regarding personal data security. Critics may argue about the feasibility of the program, particularly concerning the technological infrastructure required to maintain it. Additionally, questions may arise regarding the financial impact on both small insurers and consumers, with opponents cautious about costs associated with compliance and the risk of increased premiums for policyholders.
Relating to the consumers sales and service tax and returning the refundable exemption for sales of construction and maintenance materials acquired by a second party for use in Division of Highways projects
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Requires State to adopt practices to reduce SNAP benefits theft and to replace stolen SNAP benefits under certain circumstances; upgrades criminal penalties for SNAP benefits theft; makes appropriation.
Requires DHS and DOH, respectively, to provide information on SNAP, WFNJ, and WIC recipients regarding card skimming, cloning, and similar fraudulent activities and to replace stolen benefits; makes appropriation.
Requires DHS and DOH, respectively, to provide information on SNAP, WFNJ, and WIC recipients regarding card skimming, cloning, and similar fraudulent activities and to replace stolen benefits; makes appropriation.