most numerous states compel drivers...

most numerous states compel drivers to have liability insurance. Naturally, the states' motor vehicle departments must rely in succession insurers to tell them who's insured and who isn't.

And in well throughout half the states, insurers are make liable to mandatory liability insurance reporting programs.

Those reporting programs, insurers say, are rich cumbersome, and--owing to data mismatches between insurers and motor vehicle departments--sometimes disastrously inaccurate. Uninsured scofflaws can skate released thanks to lag times between a policy cancellation and the DMV finding