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September 2010
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Q & A

California DMV financial responsibility

ADVENTURES AT THE DMV

A Public Service Agency

I got a letter from the efficiency experts at the California Department of Motor Vehicles the other day telling me that my vehicle registration would be suspended unless I provide them with proof that I do indeed have insurance for my vehicles.

My current coverage with Progressive Insurance (yes, that same nationwide company that you can currently see banner ads for on the right sidebar at Myspace.com message inboxes) has been in effect since November of last year, yet I just got a notice from them the other day too that tells me all I need to know regarding my insurance coverage. Why they sent it around the same time that the DMV sent me this notice, I don’t know. But I did note the coincidental timing.

While out conducting business today I was in Clairemont where they’ve got a DMV. So I decide to walk in, wait in line, and show them my insurance card from Progressive. The nice lady at the counter smiles and tells me that they do not “handle” financial responsibility issues at the field office and that on the letter from the DMV there’s a website (dmv.ca.gov) and an 800 number to call. The letter was at home so tonight I try for about an hour and a half, to no avail, to get the automated system to accept my info through voice recognition and the keypad. When it finally says it understands what I am trying to tell it, the voice says the DMV is not able to recognize the policy I have inputted. According to the Progessive reps when I called in earlier today the policy is valid and my online banking shows that they have received my recent payment. Then I go to dmv.ca.gov and look for somewhere to input my auto insurance/financial responsibility. But I can’t find any place on that website’s crowded index page where there is a link, tab, or section that invites such an activity.

Something’s odd here. First, why don’t they accept proof of insurance at the DMV field office like they used to only a short while ago? Did insurance industry lobbyists successfully bribe California lawmakers or someone to change DMV policy so that the insurance companies get a portion of the $14 fee you must pay if the time limit is exceeded and you don’t notify the DMV in time about your insurance coverage? Whose idea was this? They should be in jail, whoever they are, right along with former 50th district congressman in San Diego Randy “Duke” Cunningham, America’s official Most Corrupt Congressman, who was sentenced to 8 years federal custody for, among other things, writing out a bribe menu on his letterhead of what he offered in the way of legislative services for lobbyists and how much each service cost.

Who is it to the advantage of to not allow the in-person field office reps to input the insurance data on a computer when you present it to them, but then allow an automated voice to check it 24-hours a day over the phone?

And if the DMV’s computer system can supposedly check the info automatically over the phone with voice recognition 24-hours a day then a phone rep can do it on a keyboard when you call in during the normal business hours they say they keep, or, for that matter, at a field office too. They have a list of things that the phone reps are available to assist with, but financial responsibility issues are not one of them, for some reason.

And only a few short years ago you were able to stand in line at a field office of the DMV and possibly get a sympathetic human being that understood your problem and could help you with it. Not so anymore.

My question is, why?

To whose benefit is it to make it all so Kafkaesque? I’d like to know what’s the scam here, California. I heard on NPR, I think it was today as well, that California has the lowest credit rating out of all the 50 states. Thank you Arnold Schwarzenegger for a job well done and keeping taxes low for yourself and your rich buddies but for also leaving Kalifoanee-Yah in a much greater state of disrepair than when you found it. I wonder if my tax return will come back in a timely manner as well.


“VEHICLE REGISTRATION FINANCIAL RESPONSIBILITY SERVICES ARE NOT
AVAILABLE IN DMV FIELD OFFICES”

Well, of course. I knew that.

~RR

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