The report, which will take place on Monday, said the man adjusting to turn on the new limits.

”What happened when you increase speed limits, people will quickly,’’said Susan Ferguson, a top researcher at the Insurance Institute, a safety net financed by the group of ‘auto insurers. ”It is not true that more people follow the law.”

In 1995, the federal government repealed the speed limits - 55 mph or 65 on rural areas Inter States - and authority again sent to the USA.

Twenty-eight countries have rural Interstate speed limits of at least 70 mph. For a time, day Montana did not have speed limits on certain highways, a reader in a prudent manner vernünftigen”und.”The state has been something of a place for drivers seeking an American version of the highway.

”We are happy that they come here and leave, but you can not come here and have a Drag Strip,’’said Col. Shawn Driscoll,, the Montana Highway Patrol. ”Most people knew, Montana, if you ran 120 or 130, you get arrested.”

The state has been open for ihren””vernünftigen approach has moral challenge and a 75 miles-Hour Interstate limit.

The assurances in the report of the Institute has several components. It draws attention to a recent study by the Land Transport Safety Authority of New Zealand, which seems to have made a thorough study on speed limits higher the USA that the department of transport for most of the activity of determining the maximum speed allowed by Congress.

The New Zealand, the study focuses on 22 increases, that states their borders 70 or 75 km / h almost immediately after the repeal of the Federal Constitution-Cap. The trends in the States in relation to trends in 12 states on their borders on 65 The study found more than 1880 deaths on the interactions in the 22 United States from 1996 to 1999, when the authors aware that the geographical coverage could have a distorting effect on the results, because most countries went to 75 was in the West.

The Research Institute on trends in six countries and five cities that some limits increases, and some who are not. The finding suggests that drivers highest in the country to take the speed limits more quickly.

In Maryland, where Interstate 65 km / h maximum speed, average speed was 66 more than 1 percent of drivers exceeding 80 km / h In contrast, in Colorado, where the maximum speed is between 75, speed averaged 76 More than a quarter of motorists has been regularly exceeds 80.

”These are the fastest speeds, we have already seen,”Richard Retting, senior of the Institute of Transport Engineering, said in the report.

The Insurance Institute’s report also criticizes the auto industry continues to ratcheting horses and an emphasis on speed of glory in its advertising. It is based, inter alia, Pontiac advertising say that drivers entfesseln”Ihr little fordert”und Mercedes-sale advertising, versprechen”Blitz under the hood.”

Of course, many on the prevention of accidents, balancing security with comfort.

”I travel between 75 and 80, Matt”Bielby, 30, a talent scout, said in an interview Friday. ”I think it is safe and prudent, but it makes me a speed of dignity.”Mr Bielby was the end of a three-day trip to Los Angeles and a parking area outside Ann Arbor, Mich. He said he was arrested three times, including twice in Arizona to accelerate without a ticket.

”If you go by a State, which is the lowest, you feel that you cover,”he said, adding that it would be preferable to 75 miles-Hour borders across the board.

Some see other issues such as the conduct of its importance.

Csaba Csere, editor of the driver and magazine Auto, as it was difficult studies that excluded, but all that speed.

Desire for child-drive the speed limit in the Big Sky State as a tent nothing to eat, crusts of bread, but a banquet.

It is also much more, roads and so few cars, that the temptation to pedal to the metal is overwhelming.

In recognition of human nature, in Montana political leaders have once again down an attempt to punish drivers fast in one of the most beautiful speeder-friendly states in the nation.

As it is someone driving 90 mph in Montana can not expect a fine of $ 5, payable on the spot. Under this system, the state of Montana loses $ 22 of work and treatment costs for each ticket written by a state trooper, a recent study by a legislative commission.

”The joke is that by default you shoot a type and he hands a bill $ 5 from the window, then pull away,’’said the representative of State Barry (spectrum) Stang , A Democrat this western city. No speed limit before 1974

The index, as feeling very fast for freedom of conduct is in this state, a bill sponsored Mr Stang, for the price of a ticket for speeding was killed recently by a committee, of which he is president.

”This is a great aversion against the speed limit, I can take the road to 70 and people like me spend a dirty shirt,”he said.

Montana highways never a speed limit during the day until 1974, when the federal government has ordered all States after a 55 km / h as a measure to conserve fuel. Few laws have already been so despised, and when the choice of increasing the ceiling to 65 km / h, the state has taken on him.

It was only after the Confederation officials threatened to refuse the highway-Fonds, the State has adopted the acceleration ticket $ 5.

”The only reason we have any speed limit on all federal blackmail is purely and simply,’’said JD Lynch, the state senator from Butte, thunder, for years against the Federal Republic of interference with Montanans’ tendency to drive quickly. A ticket for Wasting Resource

Officially, an acceleration of $ 5 ticket for offences against the speed limit on motorways Montana is a movement non-infringement, aber”eine unnecessary waste of a natural resource,”gasoline. In addition, the ticket can not be credited to rising insurance rates for motorists or part of the permanent driving record. The driver can accumulate dozens of tickets in a week by the Tour Big Sky State, many motorists to maintain a low price to save time on the road.

”I prefer someone State and they are just sweating blood, is the thought of what they cost $ 150 or more,’’said Officer Richard marine patrols, Interstate 90, west of Montana. ”So I told them, they need me $ 5 for a violation of conservation of fuel, and only to be reversed.”

The $ 5 ticket, has the paradoxical effect of promoting human accelerate, “said Marine Officer. ”When they discover that there are only five males and on their way, many of them full speed towards the state,”he said. Radar constantly call

Within its Plymouth Grand Fury, the radar is constantly reputation. It goes beyond 60 or 65 mph, and cars zip past as if it were not there.

”Here, I can sit here and write that each car passes,”he said. ”One day I wrote 63 cards. But with the TINKERTOY engine, I have this car, it takes me only five minutes catching up on the type, and then I write a suspension of five ticket. Is it interesting?”With more than 33 patrol guards Montana 12000 miles of road at any time, the proportion being even remotely via the remote control.

Many officers of the Montana Highway Patrol feel they are at best ineffective and a joke in the worst case. If a motorist is 120 m.p.h. in a humid streets Trooper has the possibility of charging the conduct of a violation of the rule, a broad category defined at the discretion of the officer’s decision whether a gap of safe driving practices. The principle has been violated used for a speed limit the night before 1974, and it can cause a more severe penalty than the normal fee.

The company last radio group, an agreement with the driver evaluation of the European Union after the cardinal wrote letters to several Wall-Street-enterprises - whose main clients of the sedan companies - to seek to deprive unionized firms, health insurance and other benefits.

Last radio to reach an agreement with the Union, Wednesday evening before the day of its 150 drivers have planned a strike in what would be the first strike ever black and motorists in the city.

”We need a European Union because we were always there,’’said Humberto Montana, a Cuban immigrant, for sedans Last Radio since 1985. ”There were complaints that the driver could not be ironed. There was no medicine, no sick days, no coverage as well as more and more.”

Officials of the International Association of Machinists, began testing unionize the city in black and motorists, three years ago, she said Cardinal O’Connor asked by hand, because it is assured since long and unions have shown, is of particular concern to support low-paid work of migrants.

The city is in black and motorists are mostly immigrants, mostly from Pakistan, India and Bangladesh. Many complain that, despite their cars and dazzling costumes, they earn $ 20000 a year, after deducting payments for their cars, repairs, gas, insurance and franchise fees. Many nonunion drivers say that because the black car companies do not provide health insurance, it may be a financial catastrophe if someone in his family is seriously ill.

Kevin Lynch, machinists Organization director for the New York area, said:”We have asked the Cardinal to make contact with all the people he knows, Wall Street and tell them that this is a moral issue which is very hard working immigrant families. ”

Joseph Zwilling, spokesman for the archdiocese of New York, said:”The Cardinal has his whole life has been a strong supporter of the organization of work, and he was invited to help if he could, and he sent a letter to several companies requesting that they use limousine services, unionized workers.”

The union won support from several investment firms, including Merrill Lynch, Goldman, Sachs; Oppenheimer; Lazard Asset Management, and the INVESCO, machinists’ officials said. She added that she has received an important boost, U.S. Airways said it would association, car rentals, if ordered limousine services for passengers at the arrival of the La Guardia airport Shuttle.

Union officials said the Wall Street firms agreed parent association of enterprises in part, please contact the Cardinal, in part to help workers and oppressed in part to avoid angering Instead, unions billions of dollars in investments to the Wall Street. Mr. Lynch said that in the case of Wall Street began the company signalling unions wanted to use the car, he gently Last’s and other companies objection to signing a contract.

On Wednesday’s agreement, is the fourth black-Last Car Company in the city to sign a contract European Union on the approximately 800 the number of drivers under contract. Mr. Lynch is expected that the other two black-because “the company has been assigned by the last owner - Royal and the executive, which together 300 drivers - Union would soon sign a contract.

Last’s owner, Joseph Aracari Turgut Ozen and did not return several calls to their office.

The new contract provides dental benefits, life insurance and free legal advice Services - a blessing for drivers are often in disputes with the bus and Limousine Commission. Under the mission, Last radio has promised to begin the provision of health coverage within six months, and the European Union will have access to books of the company, to determine if the driver should have a contribution to health premiums.

In 1998, April machinists won the right to represent the company with 75 drivers, drivers last to join the European Union and 52 voted against. Last radio, the union has refused to recognize, however, expressly to emphasize that their drivers were not employees but independent of the partnership contract between the federal law, have no right to forming a union .

Launch of state traffic statistics do not show an increase of people killed since December 8, the date marking the end of the Confederation of 21 years, around 55 miles-Hour speed limit.

Starting today, we have 11 victims of accidents in the state since December 8, but no one can be mounted directly on the new higher speeds, “Craig T. Reap, head of Montana’s Highway Patrol, said Friday. “A couple has been under ice. A vehicle took momentum.”

Montana was intense under the control of national authorities, as it dropped numerical speed limits during the day and returned to an old system of individual responsibility when the driver was needed for a “sound and prudent “The nature and manner.

“How do you spend on the railroad Montana,” The Billings Gazette, a national newspaper, said in a title of an article on the new speed limit laws.

On most German motorways, the pilots did not face speed limits. Here, highway patrol officers deems reasonable and prudent “according to a basket of factors, including traffic and road conditions, car and driver.

In the first agitation, as the leader of a club called the Minnesota Montana officials to ask if she could organize a demonstration of 700 corvettes race on the status of 150 mph.

What many Out-of-staters has failed in small print. Montana’s former $ 5 “fuel conservation,” junked ticket for a new scale of fines, distances up to $ 520. For the first time, the acceleration of tickets in Montana as points on licences which can be used for insurance rates.

Here in the nation-state that the highway speeds have crawled higher, but not dramatic. Before the change, surveys have shown that only half of Montana drivers obeyed sent borders.

“I did not see much difference on a - in the early days, the man himself seems to go a little slower, Clarence Johnson, a hunting guide on the momentum, he said the pilot of his truck pick-up by the Gallatin mountains of southern Montana. “With this $ 5 ticket, people are already paying much attention.”

Studying data from eight highways magnetic sensors embedded in the road pavements, Montana Highway safety officers revealed that 85 per cent of transport now travels at 74 mph or less, something higher than the 72 miles per hour under the old border.

“It is important to understand that things do not work Amok on our rail transport system,” said Albert E. Goke - the director of security for the Division of public transport. “There is no indication that there is a rash of deaths on the roads because of current speed.”

But, he added, the group of drivers going beyond 80 mph, jumped 5 percent, 2 percent. Driving speeds are generally higher in the eastern plains of Montana, where long lines of flat roads connect farflung municipalities.

“It is absolutely safe to drive 85 to 90 during the day in a dry place without Interstate Traffic,” said James H. Taylor, a real estate agent. “I am quite reasonable and wise. It is a great statement of Montana: We are not to cede to the rest of the world. We have vast green spaces, and we are confident of a vehicle. ”

Dir of Montana, Marc Racicot acknowledged in an interview that the Big Sky State, which was separated on the subject.

“We are developing in a huge space with the requirement that we act independently,” said the governor. Realizing that the State Legislative May day debate on the introduction of speed limits in 1997, he added: “For some, there is a feeling of warmth and comfort to know where is the dividing line.”

In a poll by Montana State University, Billings a few days before numerical speed limits were lifted, 60 percent of drivers interviewed borders of the state wanted the day two-lane secondary roads, and 72 percent wanted borders the progress of the three Interstate Highways.

More strong resistance against speed limits have come from groups of men age 18 to 30 Stronger support for speed limits came from women over 63 years.

If this treaty enters into force, the National Highway System designation of the federal law would remove control of speed limits, first imposed fuel as a means of winning in 1974.

Without federal budget, Montana is automatically America’s “highway” status. How many drivers in Germany by major highways, drivers in Montana interstates on the face of every day is not time to speed limits, because she screamed by Big Sky Country.

A generation of state legislators in the West has reacted violently to the introduction of the maximum speed of the National Institute of the nation maximum speed to 55 mph. States that do not comply ran the risk of losing highway money. During 1987, we read had the chance to raise the ceiling to 65 km / h on interstates in rural areas.

The dream to follow a regime of the race over vast green spaces, the state legislature, in the west accepted speed limits, which take effect only if the Confederation borders have been lifted. In Montana, lawmakers voted to restore a pre-1974 set by law, that motorists should drive at a rate reasonable and prudent. ”

Mr. Clinton has objected to the provision of speed limit and other parts of the highway bill, but it is feared, to sign it.

By its signature, maximum speed limits of 75 mph directly to Kansas, Nevada and Wyoming, and 70 km / h in California, Missouri, Oklahoma, South Dakota and Texas. Colorado’s legislative debate, a proposal to increase to a maximum of 75 km / h

In the East overloaded has not adopted any measures have been taken. In some countries in Eastern Europe, like New York, New Jersey, Massachusetts and Pennsylvania, speed limits can not be amended in the State Legislature. Others, like Connecticut, Rhode Island and Vermont, require action committees of public transport.

In the Rocky Mountain west, some have long argued that geography and population density of light provide a great fast lane.

“We have fewer people in this state that throughout the city of Honolulu, and three times as many cows as human beings,” said Andrew Malcolm, a spokesman Dir of Montana, Marc Racicot And provides a justification for opening up speed limits. “Public opinion is strongly in favour of old borders,” he added, referring to the state constitution-1974 before the law.

Security and insurance companies are to recommend to Mr. Clinton to veto the highway bill, which would be $ 6.5 billion in aid for states and the costs of a number of other Federal Regulations, as a motorcycle helmet, a ban on Billboard highways and staged a number of rules in connection with the truck.

Presses M. Clinton, a security group, Advocates for Highway and Auto Safety, recalled that his father died in a car accident. “We can not repeal the law of physics,” said Katherine Hutt, a spokesman for the Washington advocacy group. “Physics in effect doubling every 10 miles an hour on the current speed limit. ”

Realizing that 4694 people died on Interstate outages during the past year, the group said: “The Congress has examined the account of a highway for the first time in history, more ‘ To kill Americans, as it saves. ”

Monday, the consumer advocate Ralph Nader implored President, to view, please, what is at stake - between 6000 and 7000 more deaths each year, tens of thousands wounded, disable, $ 19 billion in the field of public health and costs because a higher insurance rates higher worker compensation premiums, more air pollution, more imported oil and more risks on the highway putting out of the police. ”

Within five years after Congress raised rural speed limits to 65 km / h, deaths rose 30 percent on routes where speed limits have been collected, according to a study by the Federal Department of Transportation, said Speed contributes to one third of all highway deaths.

East favorable to the security’m wondering how the pilot of Flight Montana prices next month when they arrive on a stray cow or a patch of ice while traveling 100 km / h, the deadliest of the Interstate east in Montana, on I-90 in Silver Bow County, Computer-Aided a case study of death intergovernmental this month Hearst newspaper. From 1990 to 1994, measured in the study, the number of fatal breakdowns per 100 million kilometres travelled.

But all night in negotiations for a U.S. deadline is not an agreement on strengthening the Japanese purchases of American cars and auto parts, with two-thirds of Japan’s $ 60 billion in trade with the USA . President Clinton responded by immediately carrying out its threat to the opening of a limited trade sanctions against Japan for not opening its market for car parts, as he himself has expressed satisfaction with trafficking was impressed.

The sanctions, but requires a 12 - 18 months the period of examinations and consultations tougher tariffs are imposed, Japanese exports to the USA. Following the proposed sanctions are not afraid to disrupt relations between the two countries, or rattle financial markets.

Indeed, the U.S. dollar, which has steadily slid over the Japanese yen since early 1993, it is expected that the strengthening of following the agreement reached today, it is necessary that the reduction a large part of trade tension between Washington and Tokyo.

Opening of four lucrative sectors of the relatively closed Japanese market, business often culminates 15 months of bitter negotiations between Washington and Tokyo. If control agreements, as written, they can be considered as one of the most important breakthroughs in US-Japanese trade relations since the Second World War.

The deal with Japan furthermore, it should be easy for President Clinton to win approval of a World Congress trade agreements, General on Tariffs and Trade agreement, which is now before Congress. The agreement to lower barriers throughout the world.

Many analysts of trade and industry representatives indicated that she thought the package was a coup for the USA in general and for U.S. companies in particular. But they felt that the Japanese, by its promise to contribute so far, progress in access and distribution in the areas of insurance, glass and government, heads of purchases of medical care and telecommunications equipment.

The Clinton administration may, finally, to a certain extent, tangible results from its strategy get tough Japan.

“This is certainly an asset for the USA trade policy,” said Clyde V. Presto joke Jr., President of the Economic Strategy Institute, a research group financed in part by U.S. companies and automobile insurance companies, which long for a hard-nosed trade policy with Japan.

“This transaction provides two things,” said Presto joke, a former trade USA responsible for negotiators. “One is the recognition on all sides, that the Japanese market has structural barriers that need ‘attention. Secondly, there is an implied obligation of Japan to address these obstacles in the way that can be measured. ”

He added: “It is regrettable that they are not, on cars, but no less than Bill Clinton, what happens so often in the past.”

The failure, but to reach agreement on cars is a big hole in the package. It is true that U.S. officials are less and less with the sale of American cars and car parts of origin after Japan because it has increased in recent years, thanks to increased efforts by U.S. producers sell to the Japanese - although the sales figures remain very low.

But U.S. automakers are still frozen in the Japanese market for car parts replaced. The actions toward sanctions, which Mr. Clinton announced today at the opening of this sector, which is strictly controlled by the Japanese government provisions.

The fact that the president of his vow at the beginning of the process, since the introduction of trade sanctions in Japan, for their failure to move the repair of car parts, keeps pressure on Tokyo concessions envisaged in the future discussions on this subject.

Still, the ultimate value of the entire package can be evaluated according to several years. Senator Max Baucus, Democrat of Montana and chairman of the Senate subcommittee of international trade, said he was “disappointed that Japan is not harmful for the elimination of barriers to trade in automobiles and parts car. ”

He added: “I’ll see how closely the implementation” in other sectors.

This latest round of negotiations began at 3 pm Friday on the side of the conference room representatives of Commerce USA, Mickey Kantor. For the next 20 hours Trade Ministers Ryutaro Hash imoto and Foreign Minister Yohei Kono was the day the team to ensure shuttling wrestlers of the conference room to Mr. Kantor’s Bureau of proposals, proposals and against other languages.

Mr. Kantor was closeted with his top deputies, Charlene Barshefsky and Ira Wolf.

Finally, shortly after 11 am, a bleary-eyed Mr. Kantor sealed the deal with Mr. Berger and Mr. Kono, with a handshake and expressions of goodwill resulted in an exhausted U.S. government translators, officials said.

The key breakthrough came with Japan an agreement to accept indicators that would measure “progress” in opening their markets, promises the Americans without a market share.

Several major insurers - including Progressive, Geico, State Farm and Allstate - have begun to impose higher prices, and analysts say that by the end of the year, most other companies will probably follow. Insurers said they were forced to act because the increase in costs for repairs and treatment of injuries.

”The trend is clearly up,’’said Thomas V. Cholnoky, automatic, followed by insurance for Goldman, Sachs

While increasing the size is very different - and some companies are still cutting prices - an increase of at least 4 to 5 percent are not uncommon. And some companies have pushed up prices in some countries over 10 per cent. Analysts and industry leaders indicated that they expect more of the same next year.

In New York and Connecticut, the first signs of change appear. But the situation is less clear in New Jersey, where costs of auto insurance - an average of $ 1150 per year, a car, compared with $ 700 nationally - was the highest in the country. Last year, the legislature has the unusual step of appointing a reduction of 15 percent in prices.

While spending the insurer may growing in New Jersey, as elsewhere, “said industry leaders, it was difficult to predict whether that cost would be offset by legislative changes aimed at reducing fraud and litigation and if not, to what extent political leaders allow price increases.

Consumer advocates say that the increases are not justified. J. Robert Hunter, insurance director of the Consumer Federation of America, said that even if some were rising costs, spending for insurance, all were still down.

American spent an estimated $ 126 billion last year in car insurance, which is mandatory in all countries. It was almost four times what they pay for their houses. There are many other claims on cars and passengers at home, but the rights and responsibilities of hundreds of thousands of dollars are much more common in car crashes, incidents apartments.

Besides price increases, insurers are reducing or eliminating discounts and screening applicants more carefully, so that the highest risk drivers and simply refuse to sell to some. Several companies were also dropped on piracy administrative, with layoffs in some cases.

Consumer advocates say that, to ensure that supply always the best, because prices increase, people should review their accounts and prices of several companies. But rather than on the basis of coverage decisions on price alone, defenders advice people to familiarize themselves with friends and insurance regulatory authorities to learn how to treat customers of different companies.

The price of auto insurance has risen steadily since 1973 and in the years 1997 to an increase of more than two times faster than inflation, according to the Bureau of Labor Statistics.

But in 1998 they were 2.8 per cent last year to 3.2 percent, said Robert P. Hartwig, chief economist at the Insurance Information Institute, an industry group in New York. Insurers said they had their prices cut costs for claims falling.

Although fewer and less serious accidents occurred, in part because of security features such as airbags and antilock brakes. It was also during drunken driving and car theft, and show that aging baby boomers have more and more drivers safer. A says Hartwig body medical costs and charges were levelled.

While many of these trends continue, “said Hartwig their financial benefits are eclipsed by a resumption of expenditures for repairs and treatment of injuries. He said that repair costs are made in part because many companies are more generic with spare parts after the Land Farm was sued by consumers last fall and the payment of $ 1, 2 billion for manufacturers of origin.

Randy Stoddard, a force of Safeco, nation the 15 biggest insurers said, while the number of accidents is decreasing, the seriousness”.”

In addition, he said:”The new cars are smarter and more costly to repair. And people are more expensive to repair, we ask that medical care inflation.”

Mr. Hunter said he had no shadow of a doubt that the insurer the cost per accident. But”,”, he said que”le number of accidents is falling faster than the increase in costs.”

Safeco, a loss of almost $ 40 million in its car insurance business during the first quarter in 20 states so far this year by almost 1 percent in Colorado to 8.2 percent in Michigan. Last year, prices have in 18 countries.

The two biggest companies - State Farm and Allstate - are still cut in several countries, as they are collectibles, but they are also the first signs of a postponement. Last year, State Farm cut in 48 countries and an increase in prices in a single, Massachusetts. So far this year, State Farm, cut there in 15 countries and an increase of 10, including an increase of 5.6 percent in Montana.

State Farm seeks a decline of nearly 5 percent in California, the state with most drivers. But Mr. Cholnoky said that an analysis of rates in California showed that State Farm prices among the highest in the state, 31 percent higher than Allstate and 55 percent higher than gradually.

So far this year, Allstate, the price of two states - Louisiana and South Carolina last year, there was no increase. While getrimmten sentences in 10 countries last year, only 4 countries have already reduced this year.

In New York, where regulatory authorities have taken measures to ease costs for insurers, as they New Jersey, is one of the largest companies, Progressive, the price rose 4.3 percent. Nineteen small businesses have increased in the village, ranging from less than 1 percent to 18.6 percent, six other small businesses, reduced prices. In Connecticut, one of the biggest insurers Nationwide Mutual, 4.9% higher prices and six other insurers have grown smaller. Five small insurers, reduced prices. Last year, price reductions in the number increases by nearly 3 to 1

A small company in New Jersey, GSA, raised premiums 15 percent, New Jersey and several insurers require regulatory authorities for even stronger. But John Tiene, executive director of the Insurance Council of New Jersey, said this increase has been requested two years ago and do not meet current expenditures. The increase of GSA, however, had the effect of nullifying the 15 percent legislative Rollback.

Geico, Progressive, Safeco and several other major insurers in New Jersey and said it is difficult to do so profitably.

A. It is very close. For example, we said that women would no longer have to pay at the end, men and pay a little less. . . . I think that what we are very concerned about the truth, women are raped, their own business. Marsha Levick: “gross” discrimination

Question Time. If women and men are different from insurance rates?

Answer. Women should not be charging different rates than men for all types of insurance. . . . This is not only discrimination based on sex in its obvious form, but it. . . has a very negative effect on women.

Question: In what way?

A. Start with health and disability, where the differences are perhaps the largest and discrimination is evident. Where women are paying 25 to 50 or 60 per cent more. . . .

In life insurance, women receive less value for their dollar. Although perhaps pay lower prices for life insurance, which for the most part, are lower cash values and dividends at the time of retirement. What women are able to purchase, on the path of their results in pensions less and less monthly retirement benefits during their years to come. . . .

Although many women under 25 often pay less than young men for auto insurance, women throughout their life, beginning at age 16, have fewer accidents than men. If the industry to use performance were as a basis for setting premium rates, women would be less to pay for their entire lifetime.

Question: The insurance industry argues that women are biologically differently than men and should therefore be treated differently. Do you agree?

R. I believe that what the industry must now focus on, first, voluntary differences between individuals. For example, research on auto insurance, a thousand dangers and sobriety are basically at the base, why men have more accidents. These are voluntary decisions Lifestyle voluntary decisions, individuals and are thus better as a basis for creating expensive. . . .

Question: Do you agree that to achieve equality between women no longer have to pay for insurance?

A. That ’s not quite correctly. . . . I think that women beneficiaries of elimination of the use of sex as a basis for fixing.

Question: Is this been the case in Montana?

A. The feeling in Montana, it evened out. What happened is that some gains in life insurance and auto insurance. Declines were recorded in health insurance for women. But the general opinion is that, over their lifetime women would be eligible, because the entry into the retirement income, they have increased as a result of the change in the price of life insurance. COMPARING insurance whole life insurance: 50000 $ Amount man’s face, age 35: annual premium of $ 650 women, age 35: $ 546 Years of premium individual major medical health insurance: free $ 1000 , $ 1 million lifetime of the man the greatest benefit, age 35: Annual premium of $ 935 women, age 35 $ 1368 annual premium income of individual disability policy: coverage Depending on the age 65, 30-day elimination period, $ 2000 men, aged $ 35 annual premium of 948 women, age 35: annual premium of $ 1156 a hypothetical auto policy: for one residence in Manhattan with an impeccable record car readers, a four-door Plymouth Reliant. The policy is only $ 50000 limit the full protection of injury with a deductible of $ 200 for collision coverage and $ 200 a proportion for coverage. The policy includes $ 20000 motorists had no protection. The man, age 35: annual premium of $ 1078 woman, age 35 $ 957 premium years (Source: American Council for Life Insurance, Inc. Insurance Services Office)

This number, one of the highest in the nation to the Inter States, is symptomatic of a great dilemma, many long-distance drivers:”As a general rule, the law of citizens, I should adhere strictly to the resort Ally speed limit imposed, or should I go with the package, because it is assumed there is so much contempt for the law, some are probably caught?”

The dilemma seems largely on States. Based on statistics for all types of roads, where speeds of 55 km / h is allowed, most motorists throughout the country, this border, and New York’s record is one of the best. ”What we are witnessing a return to a little faster on the roads of traffic, for speeds over 60 mph,’’said Woodrow W. Rankin from the highway users Federation, Washington-based non-profit group, retention of the limit of support for security reasons.

Deep concerns, “said Rankin, pilots are (almost 8 per cent), more than 65 years on roads posted for 55. ”This is a dangerous trend,”he said. ”If it continues, it could mean more traffic accidents.”

For long-distance drivers, speed of 55 km / h on motorways built safe enough to make a difference. You can sometimes boring shave a lot of time off also magnificent. Many drivers, however, are determined to obey the law, whatever it is reasonable, and while nobody is ready to March, to leave a fine for driving too fast and, accordingly, under the rising insurance rates.

Ten years ago, according to the Federation of users of the highway, nearly 70 per cent of vehicles on highways exceeded 55. Two states - Montana and Nevada - had no speed limits, allowing some countries to 75 on States. New York-65 along border has been the biggest part of the Thruway.

During 1974, but for the conservation of fuel consumption as a result of the Arab oil embargo, Congress a law that indicates the maximum speed of 55 or lose federal aid for highways. Première”automobilistes compliance has been good,”the Federation reported, but there have been ups and downs since 1975.

Over the past two years, official and public resistance against the limit of 55 km / h is developed, especially for the Inter States. Opponents have pointed out that these highways were built to much higher speeds. They note that public pressure and save the state has decreased since deliveries have increased and prices have plunged. In its election campaign in 1980, President Reagan promised the abolition of the national speed limit, while since coming to power, his government has relaxed its enforcement.

Last year, 33 state legislators discussed measures to repeal or weakening of persons aged 55 mph limit. This year, these bills were in 24 countries. Arizona, Missouri and North Dakota voted to repeal, when the federal government eliminates the first national border. South Dakota, today a law to deny the public, including car insurance, access to records on offences against the acceleration of up to 65 mph. Arizona, Idaho, Montana, Nevada and Utah have replaced steep acceleration nominal”Energie”Verschwendung sanctions fines of $ 5 to $ 15 for the tour caught between 55 and there are limits-1974 in these countries.

By way of comparison, a speeder in New York can be fined up to $ 100 or imprisonment up to 30 days or even for a first conviction, up to $ 200 or 90 days, or even for a second conviction, within 18 months and up to $ 500 or 180 days or both for a third conviction within a period of 18 months. The third conviction is also the withdrawal of driving licence for at least six months.

The speeds are monitored on roads posted for 55. Until there is relatively little time, the pilots could use their own radar detectors and CB radios to identify locations of surveillance. It is still possible to use the word CB that police cars are spots, but this year for the first time, speeds in all states (even if it is not yet on all highways, Due to lack of equipment and installation problems) were controlled byautomatic, no monitoring devices in the street and not detectable by motorists.

The federal speed limit was officially launched by the American Automobile Association. At the same time, however, if a member of a club affiliated club requires a routing to support plans for a trip that the cards are delivered, where 55 is strictly enforced. According to a list of Triple-A home district of Falls Church, Va., these areas are as follows:

Kentucky - Mountain Parkway Salyersville Winchester. LA - all municipalities (districts) of St. Helena, Tangipahoa, Washington and St. Tammany. Maryland - All State, but with an emphasis on I-70 in Frederick County and I-95 to the USA from Wilson-50 bridge over the Potomac.

As they compete with men in the world of work and the other to remove the differences in the roles, women under 25 years, in particular, are also paying heftier auto insurance premiums.

”What we see today is a confusion of important differences between men and women Americans in comparison to 10 years and 20 years, which is Autobahn accidents in statistics,’’said Brian O’Neill, president of the Insurance Institute for Highway Safety, sponsored by industry research group, headquartered in Arlington, Va.

Women”are used in the right lane and stay there,”observed Capt. Patrick McQueeny of Rhode Island State Police. ”Now you see more acceleration and their weaving and out of vehicular traffic. It is not uncommon to find them behind the bombing vous”à 80 km / h

When a group of men and women even further in the acceleration and drink in the context of high risk. But how many deaths among male drivers held during the last ten years, the mortality rate among women has increased. Two decades ago more than five times as many motorists were men in road transport, as falling women killed driver. Today, the ratio decreased by 3 to 1

And during a period where campaigns against drunken driving to reduce the number of fatal accidents for both sexes, the mortality rate of women in accidents on the Liquor not fall, as higher than the rate of Unemployment among men.

From a historical perspective pay the advantage of women under 25 years, the automobile insurance rates, compared to almost half of the last 20 years, according to figures Assekuranz.

In 1980, for example, women non ages 17 to 20 paid 47 percent above the basic interest rate to compensate adults for insurance, while men in the same group of age paid 187 percent more, after the Insurance Services Office, one in New York, a nonprofit organization, advises the industry rate. Until 1995, comparable rates for women jumped by 115 per cent above the base interest rate to pay for it; rate of young men, meanwhile, dipped slightly to 185 percent of the base amount. It was even greater convergence of premiums for men and women in the group 21-24.

”The frequency of accidents involving young women, who doubted our claims has increased, while it remains a constant for men compared to the same period,”noted Dale Nelson, a secretary of State for Farm of the nation’s largest insurer The self insurance.

The researchers draw attention to a multitude of economic and social reasons for change. Of course, they say, more women are the driving force today than ever before. During the year 1994 was the nation 175 million licensed drivers were almost evenly between men and women. In 1963, women under 40 percent of 93.5 million licensed drivers.

Not only there are more women drivers on the road, but they are also much more miles of driving per year than their mothers - often at night and in bad weather conditions, if the accident rate Spike. Apart from clocks to employment, women are more than their share in the conduct of children of kindergarten, school and weekend activities.

”The men lead long distances, but women take more trips,’’said Patricia Waller, director of the University of Michigan Transportation Research Institute.

What is worrying”, such as social pressure put women more at risk,’’she said. Single”mères, most of the daily trips of a group, often under great stress and distractions. Racing to take a child in a day centre, so that you can not be punished, $ 1 per minute, if you delay can be very stressful.”

Yet, Mr. Nelson of State Farm, among others, said he doubted that the driver would be more and more women with men, a total of aggressiveness or High-Risk behaviour as Road Racing, drunk vehicles and the use of vehicles as a weapon against other road users. It is an axiom of the industry that testosterone is the most powerful drug on the road accidents.

Indeed, insurance der””Unisex critical evaluation in Michigan, Pennsylvania, North Carolina, Hawaii and Montana say that the laws which prohibit insurance companies non-discrimination between the sexes, young women leave actually subsidizing the bad driving records of men. Diana Lee, Assistant Vice President of the National Association of Independent insurer, said that, in a note unisex as Michigan State, a young woman pay $ 400 per year for car insurance, when they on the basis of equivalent in other U.S. standards.

”Women are not more aggressive in their careers, competing with men in the same areas, and this is not a surprise, this model would, of course, a transfer into their lifestyles and behaviour road ,’’said Lee. But young femmes”conducteurs always lower cost than the loss of male drivers.”

Captain Paul Krisavich of the Connecticut State Police agreed that women as a group rather greater security than men were conscious. ”But you will find durchsetzungsfähig are now more of a negative way on the roads, it was rapidement”à added. You effectuez”dans as many women driving Betrunkenen obnoxious as men.”He added that, if it continues not to be marked with a bunch of cars, he noted that women are both drivers to obscene gestures are as men Driver.

”I think if I have something on the road, boys have all the time, people say: ‘Look at the woman pilot,”’ said Amy Hughes, 19, of Philadelphia. Defiance easily in the voice, as she waited outside Dover Township Municipal Court in New Jersey with a friend, was the answer to a tax that was going on there is 72 mph to 50 miles-Hour zone on the way to a seaside resort.

The friend said, only on condition of anonymity, said she was scared of their insurance premium would be to capitalise when they pleaded guilty, it would be its second movement in violation of this summer. ”But I can not afford to take time to work and come back and fight,’’she said before adding with a shrugging of shoulders, it would probably lost something, anyway .

Steven A. Zabarsky, Dover Township transport tribunal prosecutor, said the rate of entry tickets for moving violations is now between the sexes persists”,” while men in possession of a large charge, in which alcohol or drugs.

”Women in the 17 to 25 years are required to discover the same social standards of men, and this is reflected in their driving habits,”he said. ”There is very little difference in the figures we see today.”

A serious of research on sex-based differences in driving habits are rare. Most studies focus on male drivers because they accounted for most accidents, injuries and deaths. But more specific issues on women drivers are now more and more attention, although research funding remains a problem.