Mrs. Whitman, the timing could not better.

In a speech to 300 Republicans here, it could rely on a series of legislative and legal victories. The developments of the last week and a half quieted critics have predicted that their small victory in the last year, November weaken their national legislation, efficiency and reduce their capacity to implement an ambitious agenda during their second and last mandate.

First, it has been for a campaign to reduce auto insurance rates promise for signature long legislation. Then, the State is the highest court embraced her approach to improve schools in urban areas, bypassing immediately hundreds of millions of dollars in new programs. The same day, it has a conservation plan nearly half of unbuilt land in the state, with a 7-cent increase in gasoline tax. The increase would also pay for transportation projects.

Two days before the United States Supreme Court hands of Mrs. Whitman New Jersey and another Conquest: a large piece of Ellis Island.

”They are some of these people said that I was dead - and with - stop and take a second look,’’said Whitman, when they nippte a cappuccino before addressing party clients a lunch for $ 50000 Ohio Republican Party. ”This is not entirely proven. This proves, which is closest to what we can do for the State more and better and more competitive. We need only to work.”

Mrs. Whitman, energetic, pointed to Republican candidates across the country during his first term, joined Bob Taft, Republican gubernatorial candidate of the campaign trail after lunch. She said they intend to work hard for Republican candidates in the coming months to define the foundation of the party to cover the presidency in two years.

The pressure”,”, she said. ”We have two years to remind the public of all the Republicans have achieved and why the American people deserve a Republican in the White House.”

Mrs. Whitman’s moderate views on social issues, including abortion rights have upset the conservative wing of the party. She said today that it believed it was important to them spreading the message that the party was socially integrated”.”

Last week, she was hosting an event in Short Hills, NJ, increased by only $ 1 million for the Republican Leadership Council, a national group, is committed to support Republican candidates, it describes But socially conservative wie”fiskalisch integration is achieved.”Group, which sees itself as a counterweight to the powerful conservative wing of the party, Mr. Lewis was the iron mountain, an ally of Whitman and chairman of the Port Authority.

”It is very popular with a large part of our Republican family in Ohio,’’said Bob Bennett, chairman of the Republican Party in Ohio. And this is pas’’seulement I am glad that you here and now I intend to see if I can get back here to this fall.”

After that Mrs. Whitman’s difficult to campaign against Emporkömmling a Democrat, even some of its most fervent said she had lost some of their political brilliance.

But the administration aid Whitman said he was not a decline in the number of requests to speak at Republican Party events and campaigns on behalf of Republican candidates across the country. They said they have just begun the campaign and money for party candidates again, because she wanted the first option auto insurance debate.

On Saturday, she went to Michigan for the region of Detroit Chamber of Commerce, and his aides said she would talk to other events outside New Jersey and candidates for the campaign this summer and in this case.

Mrs. Whitman dismisses talk even more intense than for his public appearances outside the state to raise the profile of their national policies. During the last presidential campaign, she was often referred to as vice-chairman of potential candidates.

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 almost exclusively errors of 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 situation 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 dual 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.

Kean said today the governor, he would sign a binding legislation a reduction of 50 per cent of the section of the responsibility of automobile insurance premiums as consideration for the limitation of the rights of victims of transportation accidents .

The affirmation of a reversal of Governors of the opposition during the last five years on the pricing of insurance by law, should continue to increase the chances for passage of such legislation. Since his election in 1981, Mr. Kean has tried to limit the use of car accidents.

He said that the proposed limits for such actions, save insurance companies $ 278 million per year, and that the savings would be along insurance. The insurance State officials said that premiums are reduced on average about $ 100.

Accountability is one of three sections of automobile insurance. The other two cover property damage and injuries. The highest price US”New Jersey has continued the highest insurance rates in this country, and this is not acceptable,”Mr, “said Kean.

The process of debt lawyers him expensive genannt’’sehr creatures,”for the high premiums, which the State five million motorists to pay.

The governor said that in the 14 months to the State’s strength of no-fault system of auto insurance, which was to reduce litigation accidents, the number of complaints stieg’’schneller as a lawyer can appeal an ambulance.”

New Jersey is great hope for their savings on ensuring the experience of Michigan, who adopt a no-fault insurance system the same year as New Jersey. In both systems, billing doctors are victims of their own insurance company without reference was in error in the accident. In return, there is a ceiling for victims the right to complain sogenannten”Schmerz and suffering.”

In New Jersey, motorists accuse May, if their doctor bills $ 200. But in Michigan a suit may be that if the victim dies or suffers serious permanent injury or deformity. Against the results in 2 countries

As a result, “said Kean, the number of complaints from car accidents in Michigan between 1973 and 1985 fell by 17 percent over 9000 by year 12000, while in New Jersey increased by 60 percent, to 28000 17000

The governor wants $ 200 threshold for filing a complaint in New Jersey by Michigan’s descriptive threshold. ”This change would save motorists New Jersey three quarters of a billion dollars an hour, as I Office,’’said Kean, whose mandate expires 1990.

The chairman of the Senate of the State, John F. Russo, Democrat Tom River, Mr. Kean welcomed the adoption of a strong Senkung”auf the basis of tables.”

The senator has a bill to require a reduction of 55 per cent of the premium responsibility with the Michigan threshold, loudspeaker and mounting technical Charles L. Hardwick, Republican of Westfield, has announced that it would consider a bill to mandate a minimum 36 percent discount. Premium sought Freeze

Mr. Russo said that his bill for two years, a freeze on insurance premiums liability increases to ensure that the mandate reduction would not be negated by insurance at a later date for applications of the company increases. He said it would be difficult to get insurance bill in the Senate not to freeze.

Mr. Kean said today it is worth noting that the course could be einfrieren”verfassungswidrig.”M. Russo”,” called nonsense and Mr. Hardwick said a spokesman, it is requested by the legislature, Lawyers for an opinion on the subject.

There are also some issues regarding the reduction of 50% would for the New Jersey Joint Underwriting Association, the insurance cover for the driver, be overruled by a voluntary coverage. The club, which is the state and covers 48 percent of drivers, before a deficit of $ 900 million since its inception three years ago.

Rising insurance premiums are a worsening of the country. But something is clearly wrong in New Jersey. It is unclear, debt takes. A path for curbing may come from other countries. Several other countries offer educational models.

Insurers criticized the debt of greed and inefficiency national trends in higher prices. The repair of debt and higher medical costs, attorneys’ fees and jury trials. In New Jersey, they call it, population density, highways and cars, and a high rate of accidents and theft.

435000 car insurance Allstate New Jersey - far more than anyone else. He said he had lost money to them for years. Governor Florio, Allstate said about the accountability is wrong and that the company does well. But this is more a battle of accounting.

New Jersey has a low no-fault insurance law in 1972 that we still have for the cost of transporting people and losses of more than $ 200. Later, reforms even more serious. With time has come Mr. Florio, a state-run company allegedly uninsurable was driving to insurance to half of drivers of State rate artificially low and took an advance of $ 3 billion deficit.

Mr. Florio has a better no-fault law and the judgement of the insurer under public law, but certain conditions, insurers do not like it. For example, premiums should be primarily on a driver was not to these traditional criteria such as age, sex and where the driver is alive.

Michigan is far better than the no-fault law. It requires distinctions generous enough to actual costs. But he can appeal that if a person dies or seriously affected. PA has yet another approach much more promising: consumers have a choice between the least expensive, with a lid over the scarcity of costumes, or more costly and more political freedom latter. Other states - New York among them - are known for effective regulation and fair. Others have problems such as New Jersey’s.

Allstate withdrawal of New Jersey is progressive, it must continue to operate until all new members have their coverage. But the withdrawal of a large insurer, other smaller insurers and perhaps more, said at least that the State must have gains and losses resulting from its new law.

In New Jersey, as you point out, we lowered the rates of throwing the old system, costs are encouraged. It lays the Joint Underwriting Association, admitted that poor pilot of the pool, but ultimately cause more than half of drivers and the state has a debt of over $ 3 billion.

But we did much, much more. New Jersey has a good option no-fault, and it is a choice of 85 per cent of our pilot countries. He began a cost reduction of insurance. They suggest, New Jersey should look like Michigan and New York for ideas and not our fault option on the model of both.

We are limits to what companies can free towing and New York have adopted photo Inspection of the insurance system aimed at reducing fraud. We discounts mandatory for drivers to install security features and have asked the auto insurance offer antitheft the fight against fraud and incentives.

For the first time, we guarantee that good conduct to pay lower rates than bad drivers. And as Michigan, we are beginning to collect on criteria such as miles driven and number of deaths, injuries, rather than on arbitrary classifications. The bad pilot pool, we have put in place, it is more than New York. There are fewer than 10 per cent of the market, and only the driver, whose registration is it really deserved it. We have borders on fees payable for physicians and other providers of medical services, and to repeal the exemption agreements to increase the insurance company competition.

After a disastrous decade, New Jersey’s auto insurance are not problems solved overnight. Allstate We regret the decision to leave, but we also deplore the society convinced of the need for an increase of 28 percent. And while some might indicate that Allstate drawer other words, we need another look at our right, the company said it was losing money in New Jersey for 20 years, but it is the decision to leave, just five months after the date of our new Act in force.

I think a better approach would be to give the new Time Act fully exploited. We are serious reform in New Jersey, and our doors are open for each insurance company.

Now, as it prepares for a duration of their election, Dir Christine Todd Whitman has weighed a new plan to reduce premiums by 5 to 25 percent by the fight against fraud and motorists offers a selection of actions, to connect to economies reduced coverage.

In the early sparring partners, the industry seems pleased with the plan. John Tiene, Executive Director of the New Jersey Insurance News Service, whose companies are 70 per cent of government auto insurance, as the plan Whitman”fett and dynamic.”He said that the industry is ready to accept, Ms. Whitman’s automatic abolishing the annual cost of living and the premium increases its proposal for a ban on current practice, the refusal of the extension of certain policies, without explanation.

Steven Goldstein, a vice-chairman of the Insurance Information Institute, a trade association, praised her commitment für”weniger pain and Leiden”Klagen as clearly the appropriate means for reducing premiums.

But the president of the Association of Chapters of the State of Trial Lawyers of America, J. Gordon Harrison, rejected the plan Rückert Draconian”,” the statement, only the wealthiest would be provided.

Although the administration has made some Whitman higher premiums, most of the issues that drive the state insurance rates higher, began long before Mrs. Whitman was governor. Here are a few factors:

* New Jersey has more miles by highway traffic than any other country, and many nonfatal crashes, but only learned of Texas and Wisconsin in 1994, last year, with such figures.

* Für”Schmerz complaints of neglect and Leiden’’sind generous. Politics generous, with an advantage of the highest in the country, produce high medical awards juries and payments to policyholders.

* Controls against insurance fraud, both government and industry are too low, say critics.

* The insurance sector maugrée on the borders of the State on profits, mandates that all motorists are insurance and limit values for fees Premium for pilots at greatest risk in urban areas. Kostspieligen underwriting policy to pay billions of debts upstream by an insurance pools, there was high risk, ill-pilot of the Kean and Florio years.

* Compounding years have been any relationship between acid industry in New Jersey and the progress of the study of Jurists. The lawyers have consistently fight against any restriction on drivers’ right to file negligence is injured by other road users. Restriction of these costumes of pain and suffering is the center of Ms. Rückert - insurance industry, the joy and consternation of the trial lawyers.

Many know the status of insurance problems say that lawyers have the largest lobbying voice in Trenton and that the fate of Mrs. Whitman’s legislative package in the east hinge to a large extent on both sides of willingness to compromise .

Today he is chairman of the State Bar Association, Cynthia M. Jacob, in response to its gentle on the plan Whitman. Tuesday, Fr Jacob, the association has provided support for research on reform. She said today that it is particularly heart ,”” Fr Rückert on the plan to reduce disputes and said all the commandments and prohibitions they würde””nominale on reducing premiums.

J. Robert Hunter, insurance director of the Consumer Federation of America, now offers a quick and easy, New Jersey’s auto insurance woes and what now appears a long legislative battle in Michigan’s simply no Fehler ”Right”auto insurance.

Only 11 countries around the country have no debt, including New Jersey and New York. Mr. Hunter said he considers the law of Michigan on the best the nation has no debt required by law because it violates motorists outages unlimited payments for their medical care and lost wages, and allows pain and suffering for actions that death, serious harm a function of fitness, and on the duration and serious disfigurement.

Last year, 140000 cars were stolen in New York City, working out to 383 cars per day or one car every 3 1 / 2 hour - at a cost of over $ 700 million per year. It is a problem that can not be ignored.

In response to New York problem of car theft, me and the chairmen of the House Ways and Means Committee, Sheldon Silver, and the Committee on Codes, Joseph Lentol, developed antitheft legislation on the successful model of a program in Michigan . While New York has seen its auto theft rate rise by 61 percent, Michigan has fallen by 13 per cent during the same period. In addition, Michigan’s auto insurance premiums declined an average of 33 per cent since the implementation of the programme.

The Assembly of the legislation, A. 12137, is not only against the theft of vehicles through the development and funding of local programs specialist, but also ensure that insurance companies pass along the savings to reduce premiums. The bill would also repair a left state budget provides that each provided $ 1 fee under the guise of a stolen car program, to redirect most of the resources on a gap in the budget l ‘State.

Despite the size of the order of New York problem of car theft and success of Michigan’s programme of the majority Republican Senate, crows so hard to be hard on crime, went away from the Assembly of the legislation . She says she prefers the status quo, continue to impose an indefinite consumer auto insurance to fill gaps in the budget while the right to their constituents, they have done something about car theft.

The Republican Senate is conducted with the perception of being on Crime difficult to take such questions. Let the voters attention - attention to what they do, not what they say. ALEXANDER B. Grannis-chairman, Commission of the Assembly Insurance Albany, Sept. 4, 1992

News-automatic articles about thieves are no longer under cover of night and in secret, but now Hijack cars hellichten the day, also supports the need to establish a State of New York, on car theft prevention Authority. With my colleague municipal Sal Oppenheim Jr. Albanese & Cie, I proposed to create such an agency, like the success of violence in the State of Michigan, who would pay for police and prosecutors work exclusively anti-car theft.

The Council has adopted our proposal on December 19, following the unanimous recommendation of the Public Safety Committee, of which I am chairman.

Anti-car theft by translation units, whatever paid if a new public authority could be used, for example, in holiday centres during peak times Shopping help in the fight against these attacks as you dreiste report .

In Michigan, the joint efforts of police and prosecutors work exclusively anti-car theft led to the implementation of 85 percent to 90 percent conviction rate.

Non-Profit-groups have pointed out, prevention and public education, including etching a vehicle identification numbers automatic windows, the distribution of theft prevention literature and community meetings.

Michigan car theft, once the highest in the country, 13.1 percent fell between 1985 and 1989. During the same period, car theft in New York grew by 61 percent and thefts from 41.9 percent nationally. Michigan argues, moreover, a reduction of 54 per cent of the overall average car insurance premiums.

Michigan’s decreased the rate of car theft and reduce insurance premiums show that the cost-effectiveness assessment of $ 1 each private car transportation, insurance to pay for the establishment a similar device to prevent car theft authority in New York.

It is hoped that the support of the Council and other interested parties in New York is Albany convince worthwhile to adopt this approach to fight against these great Quality-of-Life-crime.

Aetna said it would drop private car and homeowners’ insurance in Idaho and New Mexico because the companies were profitable and little hope for improvement.

Aetna, stopped the sale of car and new owners “policy in New Mexico and Idaho November 2, said he would not renew the policy of New Mexico from February next year, Idaho and March.

The Hartford, said it plans to withdraw from most of his own car insurance business in Michigan after the settlement of disputes with regulatory bodies and insurance agents in this state. The Hartford, written only two-tenths of 1 percent of Michigan’s personal auto insurance, wants to resign because of financial losses and regulatory restrictions.

Hartford plans withdrawal of five of its businesses - those that sell on independent - the personal auto insurance and “roof” of responsibility in Michigan. Private buy screens to protect themselves the costs of litigation.

While both the two main candidates for governor have promised to assist motorists on the best of their high premiums, their approaches are just a few kilometres.

Governor Whitman, a Republican, wants to lower premiums by limiting the number of complaints that are submitted after an accident, and the reduction of legal fees and excessive doctor bills - some of the main causes of the state of high rates.

In the proposal of Mrs. Whitman’s, the driver can choose among several plans, this would allow them to save between 5 percent and 25 percent of their premiums. Most economies on motorists, has the right to acknowledge the pain and suffering. These damages are available on the cost of medical bills and lost wages, which can be covered.

The governor Democrat opponent, State Senator James E. McGreevey, is also mayor of Woodbridge, said that as governor, it would be for insurance companies to reduce rates for all drivers by 10 per cent. Contrary to Ms. Rückert, M. McGreevey said that all drivers would be lower rate without forfeiting their rights.

Mr. McGreevey said that across the board, it would reduce the rates insurance companies on the fight against fraud, insurance-estimation of supervisors could artificially inflate premiums up to 20 per cent. But several experts have proposed to reduce M. McGreevey said he would be impressed by the courts, when insurance companies were able to prove that it is wrong, their ability to make a fair profit.

Mrs. Whitman’s plan, the appeal is not without problems: it is not clear if ever, and rightly so. Your proposal faces of the violent resistance of the state trial lawyers, have broad support among national legislators, including many lawyers.

Mrs. Whitman a similar proposal earlier this year, but a few months later, in order to maintain the plan. She could not enough legal support for the driving licence, even if his own party controlling both houses of the legislature.

Mr. McGreevey has attacked Mrs. Whitman’s record in automobile insurance during his first semester and said she seems to be in the vicinity of insurance companies, and has been too easy on them as a regulatory authority. Regulatory authorities 11 increased by 11 insurers, on top of the automatic annual rate increases of 3 percent at least, ensure that all insurers in the first three years of its mandate.

Mr. McGreevey wants voters to the election commissioner of insurance of the state, rather than the regulatory authority at the top appointment by the governor. He said an elected commissioner would contribute to the authorities, regardless of responding insurers and consumers.

To fight against fraud, Mr. McGreevey would like to add a criminal prosecution service department for banks and insurance. And he also wants to withdraw definitively state licenses for doctors, chiropractors, lawyers and the bodies of enterprises, fraud.

Experts automobile insurance often say that Michigan has one of the best in the country, automatic systems of health insurance. Mrs. Whitman a portion of Michigan, law, in its plan.

Michigan, New Jersey, has a no-fault insurance system allows reimbursement Accident automatically receive invoices for medical care without filing a complaint or evidence was due. Unlike New Jersey, Michigan has strict limits for actions, so that only those most affected can bring the pain and suffering damages.

In Michigan, a complaint can be filed, the damage only in case of death or serious injury. And even if a Michigan auto insurance provides medical care for more than a policy in New Jersey, Michigan driver now pay $ 645 on average, each vehicle to ensure - $ 368 less than motorists in New Jersey .

Mrs. Whitman uses similar restrictions in their plan. For example, drivers, 10% want to store on their current prices would be even Michigan’s borders.