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after 20 years as an agent in the state of nj, and having lived in nj for 25years, I think the problem is not solvable with the current poposals. as a matter of fact. i don't think it is really solvable at all when the government is too involved, and yet they are the only ones who can fix it. the problem in nj is density. 46 cars per sq. mile. and being surrounded by ct, pa, ny as well as being the gateway from canada to florida. the billions of dollars of new highways reently has only made it easier to cut through nj on rte 287. i truly believe that the conclusion of this problem will eventually work out one way or another.
since the problem is too many car, then the only solution is mass transit so cheap and fast and good that you wont want to drive. or car insurance rates so high that you cant afford to drive. the fraud is another factor that the dept of insurance should invest in. governor whitman has made waves in trenton, but not gotton the support of the lawyers who are elected as representatives. i for see a crisis in the near very near future for nj again hopefully not as bad as the last two attempts to reduce rates. the JUA in 1984 and the florio 1990 "insurance reform act."
get ready to move to montana soon when the "1998 insurance cost reduction act" takes effect in september 1998. good luck