Saturday, October 11, 2008

Ethanol gasoline?

Ethanol is considered "renewable" because it is primarily the result of conversion of the sun's energy into usable energy. Creation of ethanol starts with photosynthesis causing the feedstocks such as switchgrass, sugar cane, or corn to grow. These feedstocks are processed into ethanol.

About 5% of the ethanol produced in the world in 2003 was actually a petroleum product. It is made by the catalytic hydration of ethylene with sulfuric acid as the catalyst. It can also be obtained via ethylene or acetylene, from calcium carbide, coal, oil gas, and other sources. Two million tons of petroleum-derived ethanol are produced annually. The principal suppliers are plants in the United States, Europe, and South Africa. Petroleum derived ethanol (synthetic ethanol) is chemically identical to bio-ethanol and can be differentiated only by radiocarbon dating.

In Brazil, flex-fuel vehicles are capable of running on pure ethanol. In the US, tolerance of ethanol depends on the individual vehicle. Anhydrous ethanol can be blended with gasoline in varying quantities to reduce the consumption of petroleum fuels, as well as to reduce air pollution. In Brazil, by law all fuels are at least 25% ethanol.
Ethanol is increasingly used as an oxygenate additive for standard gasoline, as a replacement for methyl t-butyl ether (MTBE), the latter chemical being responsible for considerable groundwater and soil contamination. Ethanol can also be used to power fuel cells.
Ethanol derived from crops (bio-ethanol) is a sus
tainable energy resource that offers environmental and long-term economic advantages over fossil fuel (gasoline). It is readily obtained from the starch or sugar in a wide variety of crops. Ethanol fuel production depends on availability of land area, soil, water, and sunlight.

Bio-ethanol is obtained from the conversion of carbon based feedstock. Agricultural feedstocks are considered renewable because they get energy from the sun using photosynthesis, provided that all minerals required for growth (such as nitrogen and phosphorus) are returned to the land. Ethanol can be produced from a variety of feedstocks such as sugar cane, bagasse, miscanthus, sugar beet, sorghum, grain sorghum, switchgrass, barley, hemp, kenaf, potatoes, sweet potatoes, cassava, sunflower, fruit, molasses, corn, stover, grain, wheat, straw, cotton, other biomass, as well as many types of cellulose waste and harvestings, whichever has the best well-to-wheel assessment.

Current, first generation processes for the production of ethanol from corn use only a small part of the corn plant: the corn kernels are taken from the corn plant and only the starch, which represents about 50% of the dry kernel mass, is transformed into ethanol. Two types of second generation processes are under development. The first type uses enzymes and yeast to convert the plant cellulose into ethanol while the second type uses pyrolysis to convert the whole plant to either a liquid bio-oil or a syngas. Second generation processes can also be used with plants such as grasses, wood or agricultural waste material such as straw.


Glucose (a simple sugar) is created in the plant by photosynthesis.

6CO2 + 6H2O + light → C6H12O6 + 6O2

During ethanol fermentation, glucose is decomposed into ethanol and carbon dioxide.

C6H12O6 → 2C2H6O + 2CO2 + heat

During combustion ethanol reacts with oxygen to produce carbon dioxide, water, and heat:

C2H6O + 3O2 → 2CO2 + 3H2O + heat

After doubling the ethanol combustion reaction because two molecules of ethanol are produced for each glucose molecule, there are equal numbers of each type of molecule on each side of the equation, and the net reaction for the overall production and consumption of ethanol is just:

light → heat

The heat of the combustion of ethanol is used to drive the piston in the engine by expanding heated gases. It can be said that sunlight is used to run the engine.

Air pollutants are also produced when ethanol is burned in the atmosphere rather than in pure oxygen. Harmful nitrous oxide gases are produced.


According to a 2008 analysis by Iowa State University, the growth in US ethanol production has caused retail gasoline prices to be US $0.29 to US $0.40 per gallon lower than would otherwise have been the case.


When all 200 American ethanol subsidies are considered, they cost about $7 billion USD per year (equal to roughly $1.90 USD total for each a gallon of ethanol). When the price of one agricultural commodity increases, farmers are motivated to quickly shift finite land and water resources to it, away from traditional food crops.


The U.S. has invested more than $1 billion to spur the growth of a strong, sustainable domestic biofuels industry. This investment promises to reduce America's gas consumption by 20 percent within a decade, promoting a cleaner environment and keeping more of our energy dollars right here at home. We continue to aggressively pursue technologies to create advanced biofuels, and we're working diligently on constructing the biofuels section bridge away from oil. On September 24, John Mizroch, acting assistant secretary for Energy Efficiency and Renewable Energy, U.S. Department of Energy, credited corn-based biofuels production with paving the way for use of "nextgeneration, non-feedstock" sources such as cellulosic energy crops. The oil market continues to fluctuate in dramatic fashion, baffling experts, investors and policy makers. Just last month, gas prices surged in the immediate aftermath of Hurricane Ike, and we all experienced sticker shock at the pumps — with some stations in the U.S. charging as much as $5.09 a gallon. IkeÕs destructive force on the Gulf Coast, which represents about 20% of the nation's oil processing capacity, painfully reinforced the effects of supply disruption as well as the limitations we face by spending $1 billion dollars per day on imported oil.

Ethanol can be produced in different ways, using a variety of feedstocks. Brazil uses sugarcane as primary feedstock. More than 90% of the ethanol produced in the U.S. comes from corn. Crops with higher yields of energy, such as switchgrass and sugar cane, are more effective in producing ethanol than corn. Ethanol can also be produced from sweet sorghum, a dryland crop that uses much less water than sugarcane, does not require a tropical climate and produces food and fodder in addition to fuel.
Ethanol is produced by yeast fermentation of the sugar extracted from sugarcane or sugar beets. Subsequent processing is the same as for ethanol from corn. Production of ethanol from sugarcane (sugarcane requires a tropical climate to grow productively) returns about 8 units of energy for each unit expended compared to corn which only returns about 1.34 units of fuel energy for each unit of energy expended. Thus sugarcane nets 7/.34 or about 20 times as much energy as corn. (corn produces an additional 0.33 units of energy in the form of high-protein livestock feed).
For the ethanol to be usable as a fuel, water must be removed. Most of the water is removed by distillation, but the purity is limited to 95-96% due to the formation of a low-boiling water-ethanol azeotrope. The 96% ethanol, 4% water mixture may be used as a fuel, and it's called hydrated ethyl alcohol fuel (álcool etílico hidratado combustível, or AEHC in Portuguese). In 2002, almost 5 billion liters (1,3 billion gallons) of hydrated ethyl alcohol fuel were produced in Brazil, to be used in ethanol powered vehicles.
For blending with gasoline, purity of 99.5 to 99.9% is required, depending on temperature, to avoid separation. Currently, the most widely used purification method is a physical absorption process using molecular sieves. Another method, azeotropic distillation, is achieved by adding the hydrocarbon benzene which also denatures the ethanol (so no extra methanol/petrol/etc. is needed to render it undrinkable for duty purposes). However, benzene is a powerful carcinogen and so will probably be illegal for this purpose soon.

POET, the largest ethanol producer in the world according to the Renewable Fuels Association, is an established leader in the biorefining industry through project development, design and construction, research and development, plant management, and marketing. The 20-year old company currently operates 25 production facilities in the United States with one more under construction. The company produces and markets more than 1.47 billion gallons of ethanol annually.

The POET Biorefining facilities located in Glenville, Hanlontown, Preston, Lake Crystal, and Bingham Lake, Minn. in conjunction with the Ethanol Promotion and Information Council (EPIC) and Dave Syverson Ford, joined together to give the Devries family a brand new F150 crew cab flexible-fuel vehicle (FFV) valued at nearly $36,000 on Tuesday, October 7, 2008 during the filming of the show.

All levels of ethanol-infused fuel emit less carbon monoxide and other greenhouse emissions than standard fuel and meet EPA requirements. However, the higher levels of ethanol available through mid-level blends offer more impressive results. Research is finding that using the ideal ethanol blend for a given vehicle dramatically reduces emissions.

Not only is ethanol generally less expensive than regular gasoline, but it has been shown to increase the gas mileage many non-flex and flex-fuel vehicles (FFVs) obtain. Since these alternative fuels are compatible with many of today's vehicles, soon consumers will forego a trip to their local car dealership to save money at the pump... using these new mid-level ethanol blends will mean paying less to drive farther.

For vehicles with current design flexible fuel engines, fuel economy (measured as miles per gallon (MPG), or liters per 100km) is directly proportional to energy content. Ethanol contains approx. 34% less energy per gallon than gasoline, and therefore will get 34% fewer miles per gallon. For E10 (10% ethanol and 90% gasoline), the effect is small (~3%) when compared to conventional gasoline, and even smaller (1-2%) when compared to oxygenated and reformulated blends. However, for E85 (85% ethanol), the effect becomes significant. E85 will produce approximately 27% lower mileage than gasoline, and will require more frequent refueling. Actual performance may vary depending on the vehicle.

Fuel system design must be compatible with the percent of ethanol permitted. All current production spark ignition vehicles are designed to be compatible with up to 10% ethanol. Pure ethanol reacts with or dissolves certain rubber and plastic materials and must not be used in fuel systems that are not designed for it.
Pure ethanol has a much higher octane rating (116 AKI, 129 RON) than ordinary gasoline (86/87 AKI, 91/92 RON), allowing higher compression ratio and different spark timing for improved performance. To change a pure-gasoline-fueled car into a pure-ethanol-fueled car, larger carburetor jets (about 30-40% larger by area), or fuel injectors are needed. (Methanol requires an even larger increase in area, to roughly 50% larger.)
In many countries cars are mandated to run on mixtures of ethanol. Brazil requires cars be suitable for a 25% ethanol blend, and has required various mixtures between 22% and 25% ethanol. The United States allows up to 10% blends, and some states require this (or a smaller amount) in all gasoline sold. Other countries have adopted their own requirements. Because of this requirement it is speculated that all cars can run blends up to about 30% (so that manufactures do not have to stock parts incompatible with ethanol next to parts compatible), but it is not known if this is true.

Sunday, October 5, 2008

Paris Motor Show 2008

wow...... Paris motor show 2008........






The Paris Motor Show will take place from 4 to 19 October 2008.

The Paris Motor Show will open :
Tuesday to Friday : 10am - 10pm
Saturday to monday 10am - 8pm


Tickets at the entrance :
Ticket (more 18 years old) : 12€
Ticket child age of 10 to 18 : 6 €
Children under age of 10 : free
Works council group (from 15 tickets) : 10€ / ticket
Tickets availables from 4 to 19 october 2008, one day entry pass.


and the events:


“Electric vehicle” trial track: Sign up at the stand of one of the participating brands and get in the driving seat of an electricity-powered car for a spin on the track, and check out a new, cleaner and quieter way to drive.
Participating brands:
Mitsubishi - Hall 3
Smart - Hall 1
Ecologic Action - Hall 3
SCVE - Hall 3

Disney Pixar Cars event: The celebrated animation firm has chosen our show as the venue in Paris for its European roadshow. Youngsters and parents alike will have an opportunity to be photographed with Lightning McQueen, Sally and Mater, the world-famous, life-size stars of the blockbuster Cars. Loads of prizes and merchandising to be won. Terrace D4 (between Halls 4 and 8).

Special exhibition: “Taxis from around the world”: Escape to Hall 8 to check out a splendid collection of 40 taxis from over 20 countries, from the historical “Taxi de la Marne”, to the celebrated London cab, the exotic tuk-tuk from Thailand, a yellow taxi from the Big Apple, the Toyota Crown from Tokyo with its gloved taxi drivers, through to the PSA taxi of the future brimming with multimedia features. Enjoy your trip!

Concierge service & Tourist info: Do you need a hotel room, info about Paris or help with booking a train or renting a car? Organised with the Paris regional committee, staff will be on hand at stand No. 104 in Hall 2/2, to give information and help you get organised.


Electric karting track: Organised with the FFSA (The French Motor Sports Federation), an indoor electric karting track is available for youngsters aged 14 to 22 in Hall 7/1 from 11.00 am to 7.00 pm.

X BOX event: Are you mad about video games? You want thrills without spills? Come to the X Box 360 stand in Hall 2/1. Loads of prizes to be won.

Children’s day-care unit: Organised in partnership with Disney Pixar. Drop off your children aged 4 to 10 for completely safe, free day-care from 11.00 am to 7.00 pm, in Hall 2/2. A baby-care area is also available.








more information: http://www.mondialautomobile.com

Monday, September 29, 2008

Car key


A car key or an automobile key is a key used to open and/or start an automobile, often identified with the logo of the car company at the head. Modern key designs are usually symmetrical, and some use grooves on both sides, rather than a cut edge, to actuate the lock. It has multiple uses for the automobile with which it was sold. A car key can open the doors, as well as start the ignition, open the glove compartment and also open the trunk (boot) of the car. Some cars come with an additional key known as a valet key that starts the ignition and opens the drivers side door but prevents the valet from gaining access to valuables that are located in the trunk or the glove box. Some valet keys, particularly those to high-performance vehicles, go so far as to restrict the engine's power output to prevent joyriding.[1] Recently, features such as coded immobilizers have been implemented in newer vehicles. More sophisticated systems make ignition dependent on electronic devices, rather than the mechanical keyswitch. Ignition switches/locks are combined with security locking of the steering column (in many modern vehicles) or the gear lever (Saab Automobile). In the latter, the switch is between the seats, preventing damage to the driver's knee in the event of a collision.

Keyless entry systems, which utilize a remote control in place of a car key, are becoming a standard feature on many new cars. Some of them are handsfree.

Switchblade key from a 2005 Land Rover LR3.
Switchblade key from a 2005 Land Rover LR3.
Some keys are high-tech in order to prevent the theft of a car. Mercedes-Benz uses a key that, rather than have a cut metal piece to start the car, uses an encoded infrared beam that communicates with the car's computer. If the codes match, the car can be started. These keys can be expensive to replace, if lost, and can cost up to US$400. Some car manufacturers like Land Rover and Volkswagen use a 'switchblade' key where the key is spring-loaded out of the fob when a button is pressed. This eliminates the need for a separate key fob. This type of key has also been known to be confiscated by airport security officials.

from:http://wikipedia.org

Saturday, September 20, 2008

Rally types and courses



There are two main forms: stage rallies and road rallies. Since the 1960s, stage rallies have been the professional branch of the sport. They are based on straightforward speed over stretches of road closed to other traffic. These may vary from asphalt mountain passes to rough forest tracks, from ice and snow to desert sand, each chosen to provide an enjoyable challenge for the crew and a test of the car's performance and reliability.

The entertaining and unpredictable nature of the stages, and the fact that the vehicles are in some cases closely related to road cars, means that the bigger events draw massive spectator interest, especially in Europe, Asia and Oceania.

An Escort RS Cosworth on a stage rally, driven by British driver Malcolm Wilson.
An Escort RS Cosworth on a stage rally, driven by British driver Malcolm Wilson.

Road rallies are the original form, held on highways open to normal traffic, where the emphasis is not on outright speed but on accurate timekeeping and navigation and on vehicle reliability, often on difficult roads and over long distances. They are now primarily amateur events. There are several types of road rallies testing accuracy, navigation or problem solving. Some common types are: Regularity rally or a Time-Speed-Distance rally (also TSD rally, testing ability to stay on track and on time), others are Monte-Carlo styles (Monte Carlo, Pan Am, Pan Carlo, Continental) rally (testing navigation and timing), and various Gimmick rally types (testing logic and observation).

Many early rallies were called trials, and a few still are, although this term is now mainly applied to the specialist form of motor sport of climbing as far as you can up steep and slippery hills. And many meets or assemblies of car enthusiasts and their vehicles are still called rallies, even if they involve merely the task of getting there (often on a trailer).

Rallying is a very popular sport at the "grass roots" of motorsport—that is, motor clubs. Individuals interested in becoming involved in rallying are encouraged to join their local automotive clubs. Club rallies (e.g. road rallies or regularity rallies) are usually run on public roads with an emphasis on navigation and teamwork. These skills are important fundamentals required for anyone who wishes to progress to higher-level events.



Rally is also unique in its choice of where and when to race. Rallies take place on all surfaces and in all conditions: asphalt (tarmac), gravel, or snow and ice, sometimes more than one in a single rally, depending on the course and event. Rallies are also run every month of the year, in every climate, bitter cold to monsoon rain. This contributes to the notion of top rally drivers as some of the best car control experts in the world. As a result of the drivers not knowing exactly what lies ahead, the lower traction available on dirt roads, and the driving characteristics of small cars, the drivers are much less visibly smooth than circuit racers, regularly sending the car literally flying over bumps, and sliding the cars out of corners.

Marcus Grönholm and Sébastien Loeb compete on a gravel-based super special stage in Argentina.
Marcus Grönholm and Sébastien Loeb compete on a gravel-based super special stage in Argentina.

A typical rally course consists of a sequence of relatively short (up to about 50km/30mi), timed "special stages" where the actual competition takes place, and untimed "transport stages" where the rally cars must be driven under their own power to the next competitive stage within a generous time limit. Rally cars are thus unlike virtually any other top-line racing cars in that they retain the ability to run at normal driving speeds, and indeed are registered for street travel. Some events contain "super special stages" where two competing cars set off on two parallel tracks (often small enough to fit in a football stadium), giving the illusion they are circuit racing head to head. These stages, ridiculed by many purists, seem increasingly popular with event organizers. Run over a day, a weekend, or more, the winner of the event has the lowest combined special and super special stage times. Given the short distances of super special stages compared to the regular special stages and consequent near-identical times for the frontrunning cars, it is very rare for these spectator-oriented stages to decide rally results, though it is a well-known axiom that a team can't win the rally at the super special, but they can certainly lose it.

from:www.wikipedia.org

NINJA BIKERS COMMUNITY






Kawasaki Ninja Indonesia (KNI) is a community communication club or individual 'Ninja Bikers' all of Indonesia. Born at JAMBORE Kawasaki Ninja Indonesia first time in Yogyakarta at 27 May 2006. Have member like
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you can join at this Community from visit www.kni.or.id

that's of great one bikers community in indonesia.


Sunday, September 7, 2008

Toyota Supra 2009

2009 Toyota Supra

Toyota insiders recognize that, to go up against established sports cars, their entry needs a compelling differentiating quality. "We want to do something original," says Hunter. "We asked ourselves, 'What can we do that no one else can do?' The answer was a hybrid." The FT-HS is a hybrid sports car--the name stands for Future Toyota Hybrid Sports. Its powertrain marries a 3.5-liter V-6 with a new-generation hybrid system to provide a combined output of some 400 hp driving the rear wheels. The transmission would be an evolution of Toyota's current planetary CVT with discrete ratios selected via paddles.

It's rumored that the upcoming Lexus LF-A sports car also could offer a hybrid powertrain (in conjunction with a conventional V-8 or V-10), but the FT-HS doesn't share the platform of the Lexus. Size-wise, the two-plus-two is almost an exact overlay of the Nissan 350Z, a car that would be an obvious competitor, although, if you take the Supra's price at the time of its departure ($40,000) as a ballpark starting figure, the Toyota would be considerably more expensive.

The FT-HS would be dramatically cheaper than its performance targets, however, which include the Porsche 911, the Ferrari F430, and the Chevy Corvette. At this early stage, Toyota is sharing only one performance target: 0 to 60 mph in four seconds. This while providing fuel economy in the mid-20s. Toyota concept planner Chiharu Tamura says the company aims to provide both on-road and on-track ability in the FT-HS. The latter comes in part from a more potent regenerative braking system, which would capture more braking energy than Toyota's current hybrid system and would make that energy available for propulsion more quickly.

Despite the obvious weight penalty of a hybrid's battery pack, the hybrid performance concept has more credibility than perhaps even Calty realizes: FIA president Max Mosley continues to discuss fitting regenerative braking and energy storage devices to Formula 1 cars by the end of the decade.

As with the powertrain, the goal of the design was to be unique. Again, Toyota took inspiration from its hybrids, namely the iconic Prius's peaked-roof profile. That triangular theme repeats itself throughout the FT-HS's dramatically creased exterior and into its cabin as well. The FT-HS further advertises its hybrid powertrain with its peek-a-boo hood, which features a hole through which one sees the engine cover with its Hybrid Synergy Drive logo. Calty's Erwin Lui likens it to the shaker hood scoops of an earlier era. Another styling element that relates to the hybrid system are the flying buttress C-pillars, which are similar to those of the Ferrari 599GTB. Here, they direct cooling air to the car's rear-mounted battery pack.

Like every other concept car, the FT-HS incorporates a number of gee-whiz features. The most obvious is the roof. A large, opaque panel slides rearward, like Porsche's 911 Targa, but it then pivots down to allow visibility to the rear. The two-plus-two becomes a two-place sports car when the roof is open.



photo= "2007 Toyota Ft Hs Concept "


from: http://www.automobilemag.com

Public policy insurance in some country.




Vehicle insurance (also known as auto insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident.

In many jurisdictions it is compulsory to have vehicle insurance before using or keeping a motor vehicle on public roads. Most jurisdictions relate insurance to both the car and the driver, however the degree of each varies greatly.


A 1994 study by Jer
emy Jackson and Roger Blackman showed, consistent with the risk homeostasis theory, that increased accident costs caused large and significant reductions in accident frequencies.

AUSTRALIA

In South Australia, Third Party Personal insurance from the State Government Insu
rance Corporation (SGIC) is included in the licence registration fee for people over 16.

In Victoria, Third Party Personal insurance from the Transport Accident Commission is similarly included, through a levy, in the vehicle registration fee.

CANADA

Several Canadian pr
ovinces (British Columbia, Saskatchewan, Manitoba and Quebec) provide a public auto insurance system while in the rest of the country insurance is provided privately. Basic auto insurance is mandatory throughout Canada with each province's government determining which benefits are included as minimum required auto insurance coverage and which benefits are options available for those seeking additional coverage. Accident benefits coverage is mandatory everywhere except for Newfoundland and Labrador. All provinces in Canada have some form of no-fault insurance available to accident victims. The difference from province to province is the extent to which tort or no-fault is emphasized.[2] Typically, coverage against loss of or damage to the driver's own vehicle is optional - one notable exception to this is in Saskatchewan, where SGI provides collision coverage (less than a $700 deductible, such as a collision damage waiver) as part of its basic insurance policy. In Saskatchewan, residents have the option to have their auto insurance through a tort system but less than 0.5% of the population have taken this option.

SOUTH AFRICA


South Africa allocates a percentage of the money from petrol into the Road Accidents Fund, which goes towards co
mpensating third parties in accidents.

UNITED KINGDOM



In 1930, the UK government introduced a law that required every person who used a vehicle on the road to have at least third party personal injury insurance.

Today UK law is defined by The Road Traffic Act 1988, which was last modified in 1991. The act requires that some motorists either be insured, have a security, or have made a specified deposit (£500,000 as of 1991) with the Accountant General of the Supreme Court, against their liability for injuries to others (including passengers) and for damage to other persons' property resulting from use of a vehicle on a public road or in other public places.

The minimum level of insurance cover commonly available and which satisfies the requirement of the act is called third
party only insurance. The level of cover provided by Third party only insurance is basic but does exceed the requirements of the act.

Road Traffic Act Only Insurance is not the same as Third Party Only Insurance and thankfully is not often sold. It provides the very minimum cover to satisfy the requirements of the act. For example Road Traffic Act Only Insurance has a limit of £250,000 for damage to third party property and does not cover emergency treatment fees. Third party insurance has a far greater limit for third party property damage and will cover emergency treatment fees.

It is an offence to drive your car, or allow others to drive it, without at least third party insurance whilst on the public highway (or public place Section 143(1)(a) RTA 1988 as amended 1991); however, no such legislation applies on private land.

Vehicles which are exempted by the act, from the requirement to be covered, include those owned by certain councils and local authorities, national park authorities, education authorities, police authorities, fire authorities, heath service bodies and security services.

The insurance certificate or cover note issued by the insurance company constitutes legal evidence that the vehicle specified on the document is indeed insured. The law says that an authorised person, such as the police, may require a driver to produce an insurance certificate for inspection. If the driver cannot show the document immediately on request, then the driver will usually be issued a HORT/1 with seven days, as of midnight of the date of issue, to take a valid insurance certificate (and usually other driving documents as well) to a police station of the driver's choice. Failure to produce an insurance certificate is an offence.

Insurance is more exp
ensive in Northern Ireland than in other parts of the UK.

Most motorists in the UK are required to prominently display a vehicle licence (tax disc) on their vehicle when it is kept or driven on public roads. This helps to ensure that most people have adequate insurance on their vehicles because you are required to produce an insurance certificate when you purchase the disc. However, it is a known practice for some people to purchase insurance to gain the certificate and then to cancel the insurance and gain a full refund within the statutory 14 day cooling off period.

The Motor Insurers Bureau compensates the victims of road accidents caused by uninsured and untraced motorists. It also operates the Motor Insurance Database, which contains details of every insured vehicle in the country.


UNITED STATES


In the United States, auto insurance covering liability for injuries and property damage done to others is compulsory in most states, though enforcement of the requirement varies from state to state. The state of New Hampshire, for example, does not require motorists to carry liability insurance (the ballpark model), while in Virginia residents must pay the state a $500 annual fee per vehicle if they choose not to buy liability insurance.[4] Penalties for not purchasing auto insurance vary by state, but often involve a substantial fine, license and/or registration suspension or revocation, as well as possible jail time in some states. Usually, the minimum required by law is third party insurance to protect third parties against the financial consequences of loss, damage or injury caused by a vehicle.

Some states, such as North Carolina, require that a driver hold liability insurance before a license can be issued.

Arizona Department of Transportation Research Project Manager John Semmens has recommended that car insurers issue license plates, and that they be held responsible for the full cost of injuries and property damages caused by their licensees under the Disneyland model. Plates would expire at the end of the insurance coverage period, and licensees would need to return their plates to their insurance office in order to receive a refund on their premiums. Vehicles driving without insurance would thus be easy to spot because they would not have license plates, or the plates would be past the marked expiration date.

from : http://en.wikipedia.org