Texas and the Uninsured: Finding a Solution

Lack of Insurance: A Major Concern in Texas
Look at health insurance Texas and the statistics are frightening when it comes to residents who are uninsured. Texas comes in at the top of the list in the United States with over six million Texans who do not have any type of health insurance. It’s a major problem and one that has to be resolved. Health insurance Texas should be available to every citizen in the state, young, old, and in between. With so many people facing health problems and no way to pay for them, it is placing a strain on the entire state.

Living in Poor Health
Consider health insurance Texas and the bottom line is the state is in crisis. Over one million of its children are going without vital healthcare coverage. Individuals who do not have any type of health insurance Texas tend to have a poor quality of life. They’re not getting physicals or immunizations. No wellness check-ups are taking place. The uninsured tend to suffer in silence with their health issues until they deteriorate to the point of needing emergency services. When Texans wait too long to seek health care for various conditions, they often reach the point of no return.

Health Insurance Texas is a Burden for the State
When citizens fail to have health insurance Texas, they are placing the weight of their health care costs on every tax payer in the state. Not only are the insured bearing the burden of expenses for those who lack health insurance Texas, medical costs will continue to skyrocket if a solution is not found for this problem. These overwhelming costs will be passed on to everyone in the state, placing citizens under a financial strain that can put their lifestyles at risk. Every resident needs to have health insurance Texas for the good of the state.

A Vicious Cycle that Must be Broken
If you want to put a face on who is lacking health insurance Texas, the majority are young adults, people working low income jobs, and Hispanics. Those who have a job that brings in little pay cannot afford the cost of health insurance Texas and they make do without. When it comes down to a choice between food and health insurance Texas, food is going to win every time. A concerted effort has to be made to provide low cost health care to those who need it.

Save Money and Save Lives
When Texas finds a way to provide health insurance Texas that is affordable to all of its citizens, the state will reap the benefits. Preventative care, including regular doctor’s visits and immunizations, can stave off serious health problems in the future. Keeping patients out of the emergency room and providing effective treatment in doctor’s offices will reduce the cost of crushing hospital bills. Healthier citizens will be more productive citizens. It’s a win-win situation all around when health insurance Texas becomes accessible to all.

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Electronic Proof of Auto Liability Insurance in Texas

A Required Insurance Policy

The State of Texas requires that all drivers carry at least liability auto insurance coverage. This law seeks to protect all motorists involved in accidents on the road. At a minimum, drivers should be able to pay for harm caused by their automobiles; adequate liability insurance coverage enables them to meet this requirement.

When law enforcement officers stop drivers in Texas, they sometimes request proof of auto insurance liability coverage from drivers. This request often occurs routinely when an officer writes a traffic ticket, for instance. Insurance companies furnish insured drivers with documentation so that a driver can display proof of coverage.

Greater Convenience

In 2013, Texas passed a new law that permitted drivers to display electronic proof of auto insurance liability coverage. This process offers greater convenience for drivers who recently obtained auto insurance liability policies, because they can demonstrate proof of coverage over a tablet, smart phone, laptop or other Internet connected device.

The new law also assists drivers who happen to change auto insurance liability carriers. The driver in many cases can simply go online and log into an insurance company website to display proof of having purchased this important mandatory type of insurance coverage.

Lower Costs

Another potential benefit of the recent law passed in Texas may involve reduced costs for auto insurance liability policy carriers. People seeking Cheap Car Insurance certainly appreciate this development, since it may lower the cost of doing business for some insurance firms and allow insurers to offer more competitive rates.

When customers opt to use electronic proof of coverage, the insurance company does not need to replace insurance cards documenting proof of auto insurance liability coverage as frequently. The firm saves labor and mailing costs.

Environmental Benefits And More

Yet a third advantage provided by the new legislation pertains to potential environmental benefits. By enabling millions of residents of Texas to “go paperless” and rely instead on online evidence of auto insurance liability coverage, lawmakers helped insurers conserve natural resources. Over the course of time, these environmental benefits of reduced paperwork will likely add up.

From the standpoint of the officers who perform traffic stops, the new laws likely hold some benefits as well. For one thing, an officer will obtain the ability to confirm that auto insurance liability coverage exists almost instantaneously. In the past, when drivers relied solely on paper documentation, an insured driver sometimes misplaced or lost the required paperwork. Now, even when this situation occurs, the auto insurance liability coverage provider can supply rapid electronic proof that a policy exists.

Conclusion

The law that took effect on September 1, 2013 allowing drivers to display electronic proof of auto insurance liability coverage demonstrates the increasingly important role of the Internet in modern society. It also offers one timely way for the insurance industry to meet the needs of customers reliably and more efficiently.

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