April 12 – Q: A friend of mine was recently pulled over for a speeding ticket. When HPD asked for proof of insurance, they presented an e-card on their phone. However, the officer said it was not a valid form of insurance. Wasn’t a law passed by the Authority allowing the use of electronic insurance cards?
Question: A friend of mine was recently pulled over for a speeding ticket. When HPD asked for proof of insurance, they presented an e-card on their phone. However, the officer said it was not a valid form of insurance. Wasn’t a law passed by the Authority allowing the use of electronic insurance cards?
Answer: Yes, it came into effect in 2016. House Bill 1705 was approved by the state legislature and signed into law by the then government. David Ige like Law 82, which allows electronic insurance cards to be used as proof of insurance for cars, motorcycles and mopeds, including during a traffic stop. Paper insurance cards are also allowed, as usual.
State law states that “electronic proof of insurance card may be accessed directly through the licensed insurance company’s website, app, or database.” The tag shown on the portable electronic device must include the vehicle’s name, make, year, and manufacturer or serial number; insurance policy number; the name of the insured and the insured; and the actual dates of coverage, including the expiration date.
Q: We got free credit reports during the pandemic. When does that end? We have jobs again after a long layoff but we want to keep track of our credit report because we found errors on it when we checked in 2022.
A: “The three national credit reporting agencies — Equifax, Experian and TransUnion — have extended through December 31, 2023 a program that lets you check your credit report at each agency once a week for free, according to the Federal Trade Commission, a US government agency. .
Go to AnnualCreditReport. com to request free copies. “Other sites may charge you a fee or be fraudulent sites created to steal your personal information,” the FTC says.
Federal law gives everyone the right to one free credit report every 12 months from each of the three agencies. However, in 2020, early in the pandemic, the three agencies said they would temporarily provide free reports every week, which encouraged people to deal with their finances in turbulent times. The weekly show was later extended, and now runs through the end of this year.
On a related note, Equifax, Experian, and TransUnion announced Tuesday that “medical collection debts with a reported starting balance of less than $500 have been removed from U.S. consumer credit reports.” With this change, nearly 70% of all medical collection debt trade lines reported to credit reporting agencies nationwide are now “removed from consumer credit files,” they said. An unpaid medical collection debt large enough to be reported appears on a person’s credit report after one year.
The three companies had previously announced that as of July 1, 2022, medical collection debts that have been paid off are no longer included on a person’s credit report.
Auwe I’m tired of seeing drivers cross the hard line on Lunalilo Street. These are drivers who go up Piikoi Street, enter the leftmost lane and cross the solid line into the right lane in motion to get into the lane leading to the highway. It’s bad enough to see drivers in the extreme right lane on Lunalilo Street enter the freeway lane by pinching drivers in the right lane. The drivers who take the right lane on Piikoi Street from the road down near King Street deserve to be commended for their patience! – Linda Mahalo Thank you so much to the anonymous motorist who responded to my horn when I got lost in Waipahu without my mobile phone. I was stuck in the middle lane going straight on the wrong highway with no way to stop. It was her window, she turned when I beeped and yelled directions to me out the window. Very much appreciated! You came home safely. – Missing Resident —— Write to Kokua Line at Honolulu Star-Advertiser, 500 Ala Moana Blvd., Suite 7-500, Honolulu, HI 96813; call 808-529-4773; Or email kokualine @ staradvertiser.com. ——