Priviledge Car Insurance.


The Concept.
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New Points System. Golden Gate Bridge.
[Outline.]

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Introduction.

New Points System.

Points on a Probationary Licence.

Points on a Full Licence.
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Introduction.
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Hypothetical System.  This type of System is not simply about 'Points'.  Old Points = 'Punishment'... New Points = 'Information'.  Every Point = 1 Report... and every Report would contain many individual 'Bits' of Information.  When a Drivers 'File' contains a large number of Reports these should build up a fairly detailed picture of the Driver's behaviour.  Only when you've identified the exact nature of the problems can you set about rectifying them.
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Information could... also be retrieved from the individual Bits on millions of Reports to produce Data: or Statistics: to help identify specific... Road Culture traits: demographic groups: common offences: sources of annoyance: and Reporting Blackspots [i.e. any point of high inter-driver conflict.]
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As with all other sections... not everything mentioned will apply to every country... it is not meant to be a fully detailed plan... it is just one example of how a new system such as this could operate in conjunction with any existing Court system.  Points would be picked up easier and quicker... but would not last as long as those originating in a Court or from the Police.  [Or, perhaps it could just be a completely separate 'Reporting System'.]
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Unlimited Permutations.  There are almost an infinite number of variables that could be introduced... to try and list them all would be impossible.  So, as with other sections... the following is just one example... written on the hypothetical basis that it was decided that there should be approximately 10 Road Supervisors' points available for every driver.  [Practical experience might prove that some other figure had a more desirable effect... but in the mean time... for arguments sake... let's just say the ideal figure was 10!]
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New Points System.

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Change from 'present system'... 
to a new 100 points system.  [As an example we will use a country that uses a system of 12 points.]  Introduced in years gone by when an old paper licence had to be handed over to the Courts and have a stamp mark placed in it.  In the age of computers it is not difficult to administer a more complex system... so this is something that is certainly due for an update.  A 100 point system would allow Courts much greater flexibility and precision than one of just 12 points... and enable the introduction of Road Supervisors' points... which could be added to a driver's licence 1 point at a time.
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On conversion to a new system...
a mathematical formula could be applied to convert 'old' points to 'new' points.  To use our example... the 12 point system... perhaps the points would be multiplied by 4... which means that someone with 6 points would then have 24 points.  This may seem very lenient because it appears the driver is much less likely to lose their licence... so therefore can now afford to be more reckless... but it must be remembered, from that moment on, not only would the Police be watching... but one driver in ten?? could be a Road Supervisor... and they would have enough points between them to ban 10% of the population from the roads.  Or if you were an average driver... you could expect to collect about 10 points each year... which would be little to worry about.
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Every time a driver was 'reported' 
by a Road Supervisor... 1 point would be added to their licence.  A driver would really need to be a serious and/or persistent offender in order to be reported twice a week every week for a year... which is what it would take for them to lose their licence under this system.  But, if it did happen... they would have been 'convicted' by 100 of their fellow drivers... could anybody seriously claim it was 'just bad luck'?  No, anyone losing their licence under this system would have fully deserved it!
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'Official' points last 3 years...
[same as present... some countries may differ.]  Points accumulated because of things like speeding tickets issued by the Police... or because of a conviction for an offence in Court... do not need to be affected by this system.  Anything that a Court does at present could easily be continued under this new system... though hopefully they would have a lot less need to. 
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Road Supervisor points last...
just one year.  There would be a lot of points around looking for someone... not hard to accumulate... not hard to avoid.  So, anyone should be able to turn a bad points total into something respectable in a fairly short space of time.  All they would need to do is... read the Reports... read the Inserts... make sure they understood them... and then whatever it was they were doing that seemed to be upsetting everyone... Stop it!
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Any points would be carried 'up'
to the new licence.  Those 'graduating' from a Probationary licence with, say, 10 points would carry those points on to the new licence.  The points would just expire at the end of twelve months... or three years... depending on their origin.
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Excess points would be...
carried 'down' to a licence... when demoted.  As an example... a person who was on a Full licence, with 90 points... then goes to Court... picks up a further 20 points... giving them a total of 110 points.  As a driver would be automatically demoted to a Probationary licence at 100 points... this driver would be demoted and carry the excess 10 points onto the Probationary licence.
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Under this new system a driver...
could have 4 points on their licence and still become a Road Supervisor.  Any driver, however good, could expect to pick up the odd point... so this would allow a little bit of leeway for everyone.
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Accumulate 10 points...
Road Supervisor status would be revoked.  Picking up 10 points would mean a driver was only 'average', just being a Road Supervisor should mean you were better than average... 10 points might not be all that bad... but it isn't that good either!
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Accumulate 25 points... 
Insurance 'loading' on premiums could apply.  Obviously, we are in no position to say what the Insurance Industry would or would not do: [just as we are not with Governments] but let's for arguments sake... say that the Insurance Industry agreed that anyone keeping their points below 25?? would not be penalised.  This is quite a financial incentive to keep below this figure... or if it was exceeded, to get it back down before the yearly insurance premium was due... if possible.  Insurance Companies would probably value this kind of Information... how they would ultimately use it, is very difficult to say... but their goal would probably be to make more accurate assessments as to what an individuals exact premium should be.
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Each time an additional...
5 points was added a further 'loading' would apply.  Basically... as a driver's points total continued to rise, so would their annual insurance premiums.  We say, in bands of 5 points... rather than in single points... simply so that no one individual could have any affect on another individual.  It would take 25 different Road Supervisors to affect a person's insurance premiums... and after that, further groups of five.  One Report on its own would do nothing... it would be the combined total that had an affect... and for that a driver would only have themselves to blame.
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Of course... all this would only be self-defeating... if it had the effect that more and more people drove around with no insurance at all.  In Britain, third party insurance is compulsory, that is, a driver must be insured against injuring other people and damaging other peoples' property.  Thanks to the present Labour Government... a dramatic increase in the number of uninsured drivers has taken place in recent years: [approx. 5% of the total.]  A special fund was set up to pay drivers who incur damage or injury from uninsured drivers.  The fund was set up by charging a 'special levy' on the usual, law-abiding majority... who pay even more expensive insurance premiums... which in turn means even more people don't bother.  And what exactly has fuelled this recent dramatic increase in the uninsured?  It's not just the increase in premiums... it is the fact that a driver is very unlikely to be caught... unless they have an accident... and when they are? the Courts fine them [on average: about 175] about half the cost of insuring a car for a year: [on average: about 350]  Note: January 2004... the Labour Government are considering downgrading the offence to a standard 200 Fine... no need to appear in Court... unless there is some financial hardship... in which case the Fine could be reduced to 65.  If there is any surprise here... it is the fact that 95% continue to do the right thing when it would be so much easier... not to bother!

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Points on a Probationary Licence.
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All Probationary drivers...
would have to display a 'P' plate: [or equivalent.]  Under this system which supports the wide spread use of the Probationary licence... it is essential that these drivers can be easily identified to ensure they are driving in a safe manner.  Britain has a system that has voluntary use of a 'P' plate... this has a participation rate of about 20%... and generally it is those who are most careful who display this plate.
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A voluntary system is a complete and utter waste of time!
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First time drivers would have to...
spend at least 2 years on a Probationary licence.  The young and inexperienced driver is 5-10 times more likely to be involved in an accident in their first two years of driving than an experienced driver.  Though they may have passed a driving test, this period is still a time to learn and gain experience and they need to be more carefully monitored than other drivers.
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Demoted drivers would have to...
spend at least 1 year on a Probationary licence.  Anyone being demoted from a Full licence would have gained some experience... but quite obviously had picked up some bad habits along the way.  This would be a time for those drivers to re-assess their driving technique and a major improvement of some kind would be required if they were to qualify for a Full licence again: [i.e. have 15 points or less on their licence.]
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Probationary drivers could...
have up to 50 points available per year.  This is half the points that a driver on a Full licence would have: [this situation already exists in some countries.]  There is an even greater need for these drivers to obey the rules and be cautious than more experienced drivers... but as a group, young drivers are much more likely to drive fast and take risks than others... at a time when they generally possess poor hazard perception skills... an all to often deadly combination!
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Probationary drivers would...
need to have 15 points or less before 'graduating' to a Full licence.  This should not be that difficult to achieve... an average driver could expect to pick up about 10 points... so 15 is still worse than average.
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Probationary drivers who...
accumulated 25 points would have their record 'Reviewed' and might be asked to appear before a Review Panel.  25 is a lot of times to be reported so this might be a good time to get out the File to see what the problems were.  If their driving seemed to be reckless then maybe they should be called in to address the Review Panel and discuss the problem.  If not, the File could still be kept, 'Active' just to keep an eye on their future progress... or it might be decided that things weren't that bad and the File put away.
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Drivers could be called to...
appear before a Review Panel at any time to explain a serious 'Incident' once past the 25 point mark.  As the File might be 'Active' at this point, any serious incident or offence could be the trigger for a Review Panel to say, time to come in and discuss the situation.
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Probationary drivers who...
accumulated 35 points would definitely be summoned to appear before a Review Panel.  If a driver had not been called before a Review Panel already, the time would eventually come where the points were at such a level, that there was no other choice.  At this point a whole range of options could start to kick in.
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Review Panels could...
recommend that a driver be demoted back to a Learner's licence, once past the 35 point mark.  Though this might be harsh and unusual it is just one of the options that could be available.  Some drivers would probably ignore every warning and be completely unwilling to co-operate, in which case a Review Panel might decide that the points were already very high and more importantly there seemed to be no prospect of improving the situation, so the driver could have their licence... cancelled: suspended: or demoted... depending on the circumstances.  
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Only a complete fool would continue to be uncooperative when faced with this situation!
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Each time a driver added...
an additional 5 points to their total they would be called back before the Review Panel for a further assessment.  As an example... a driver being called in at 30 points, would find themselves being called back in again at 35 points and again at 40 points.  If their points total dropped back down to 35 points and then rose again to 40 points, they would be called back in again.  Whatever 'plan of action' was decided on, to reduce their total, would obviously not be working, the overall trend being either static, or still going up... so a further review would be required.  Once drivers reached the 45 point mark, it may be that they get called back on nearly every point in an effort to avoid the 50 point total.
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Probationary drivers who... 
accumulated 50 points would have to go back and retake their driving test.  This rise to 50 points could come about very suddenly, if it was due to a conviction in a Court for a serious offence, and could be accompanied by a Fine and a driving Ban.  If it happened due to points collected from Road Supervisors then it could have involved anything from two or three appearances before a Review Panel up to a dozen or more.  In the end, happening despite numerous efforts to try and ensure that it did not.
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Losing a Probationary driver back to a Learner's licence should be viewed as a 'Measure of Failure'.
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Points on a Full Licence.
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The procedures... for dealing with drivers on a Full licence would be virtually the same as dealing with Probationary drivers.  The only major difference would be that drivers on a Full licence would have twice as many points available to them.
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Drivers would have up to...
100 points available per year.  This may seem like a lot of points but with every tenth?? driver a Road Supervisor... the worst offenders would probably find that 100 points did not last them all that long.  With an average of 10 points available for each driver, most drivers could feel quite confident that they would not lose their licences.  But, this also means there would be enough points out there to ban 10% of all drivers from the road.
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The worst 5% of offenders would probably find that they attracted the majority of the points... so, 'do the maths'!!
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Although having just 3 or 4 points on your licence... would be nothing to worry about there are probably many people who would object to having any points on their licence especially if they have gone many years with having a totally clean record.  So, perhaps it would be decided that there should be an average of 15 points for each driver and everyone would start with a credit of 5 points: [these would also be current for a year, but would, in effect, be for their own information.]  This would mean that until a person was reported at least 6 times they would have a clean licence... anyone looking up their record [or in their file] would just see 0 points and no reports.  This would give everyone the same leeway... and while for many it would mean no points on their record... for the serious and persistent offenders it would make almost no difference at all.  If you get into trouble with an allowance of 100 points... you would almost certainly be in trouble with an allowance of 105 points. 
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Drivers who accumulated...
50 points would have their record 'Reviewed' and might be asked to appear before a Review Panel.  50 points is quite a high total, so this might be a good time to get out their File to see what the problems were.  [As the decision to call a driver to appear before a Review Panel would in large part be down to the discretion of the Panellists, it is difficult to say exactly when a driver would be called.]  But, if there were numerous reports for... dangerous: aggressive: or 'erratic' driving... a Panel might decide, 'it's time for a chat'.  If the offences were more to do with parking, or the like, they may let it pass for a while longer.
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Drivers could be called...
to appear before a Review Panel at any time to explain a serious 'Incident' once passed the 50 point mark.  At this stage a drivers' File might already be 'Active' and being closely monitored, anything considered as 'serious' could be the trigger for a driver to be called in to see the Review Panel.
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Drivers who accumulated...
75 points would definitely be summoned to appear before a Review Panel.  Enough is enough! if a driver hadn't already been called in, then they would be now.  It would be time to step in and enforce some changes, the driver would have had every opportunity to make changes voluntarily, they would have been sent... Reports: Educational Inserts: and Warnings... and still they allowed their points to go up.  Reading their File should give a very good idea as to what the problems were and a 'plan of action' would need to be formed.
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Each time a driver added...
an additional 5 points to their total, they would be called back before the Review Panel for a further assessment.  If the slide continued then a driver would be called back in again and again.  If the points went down by 5 but increase again, then there would be no noticeable improvement, so more continuous work would be required.
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Review Panels could recommend... 
that a driver be demoted to a Probationary licence, once over the 75 point mark.  If a driver was being... awkward: uncooperative: or failing to carry out their 'plan of action' which had been agreed... then a driver might be demoted down to a Probationary licence.  If they still made no improvements in their driving habits they could very quickly find themselves facing a similar situation again and being demoted down to a Learner's licence.
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Drivers who accumulated...
100 points would be demoted to a Probationary licence for at least 1 year.  If a driver accumulated 100 points in a year, or less, they would have to make quite an improvement in the following year just to keep their Probationary licence.  To graduate back to a Full licence would mean getting down to 15 points or less, so over all, quite a dramatic improvement would be required.  That would be the aim of a Review Panel... turning a driver who was being reported 100 times a year... into a driver who was being reported less than 15 times a year.  Demoted drivers should be monitored for the whole period of their demotion.
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Advanced Licence.
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Some countries already have 'Advanced' drivers' licences.  These might be drivers who have taken a special driving course and passed a driving test.  We are not saying what the criteria should be for an Advanced classification.  In this instance it might be any driver who had passed a Road Supervisors exam... which may not include a driving test.  Advanced driving usually means having the skills to handle a vehicle... our main focus is to find drivers who have a good safety record over an extended period of time.  The main point under this system is to... have a special class of licence to aim for which says that you are a Good driver... to maintain that standard by keeping the points total below 10... to set a good example to other drivers... and to pass on their experience to Bad drivers via the Reporting system.  So... hit the 10 point mark and you should drop down to a standard Full licence... that means you're just average!
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The Future.  
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Even just looking... at modern communications as they exist today, it would be possible to deal with this Information incredibly quickly: [who knows what the future might hold.]  For instance... say a Road Supervisor decided to Report a Truck for tailgating... perhaps this was done by a mobile phone calling direct to a website and using voice recognition to submit the Report... all done in a couple of minutes.  Almost instantly... this Information could be processed and a Report sent out to the company that owned the Truck: [via fax: text message: or to their registered e-mail address] the Transport Manager [or whoever?] could be straight on the phone to their driver asking them what they were doing.  It could be texted straight to the mobile of the person committing the offence... that quick, the offence might still be in progress!
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Back to the Top Home Site Plan Outline>>

Road Supervisors

Senior Road Supervisors  

New Points System

Licences.  

Files. 

Social Pressure

Review Panels

Offences.

Information: Data.