Failure to produce an insurance certificate was, and still is, an offence. The HORT/1 was commonly known – even by the issuing authorities when dealing with the public – as a "Producer". As these are seldom issued now and the MID relied upon to indicate the presence of insurance or not, it is incumbent upon the insurance industry to accurately and swiftly update the MID with current policy details and insurers that fail to do so can be penalised by their regulating body. Insurer, and Vehicle Excise Duty VED / licence data, are shared by the relevant authorities including the Police and this forms an integral part of the mechanism of CIE. All UK registered vehicles, including those that are exempt from VED for example, Historic Vehicles and cars with low or zero emissions are subject to the VED taxation application process. Part of this is a check on the vehicle's insurance. A physical receipt for the payment of VED was issued by way of a paper disc which, prior to 1 October 2014, meant that all motorists in the UK were required to prominently display the tax disc on their vehicle when it was kept or driven on public roads. This helped to ensure that most people had adequate insurance on their vehicles because insurance cover was required to purchase a disc, although the insurance must merely have been valid at the time of purchase and not necessarily for the life of the tax disc. To address the problems that arise where a vehicle's insurance was subsequently cancelled but the tax disc remained in force and displayed on the vehicle and the vehicle then used without insurance, the CIE regulations are now able to be applied as the Driver and Vehicle Licence Authority DVLA and the MID databases are shared in real time meaning that a taxed but uninsured vehicle is easily detectable by both authorities and Traffic Police. From 1 October 2014, it is no longer a legal requirement to display a vehicle excise licence tax disc on a vehicle. This has come about because the whole VED process can now be administered electronically and alongside the MID, doing away with the expense, to the UK Government, of issuing paper discs.
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If you have a coordinated policy your primary health insurance carrier may be billed first and then your auto insurance carrier will pick up any unpaid balance. Also, if you are referred to a neurologist, orthopedic surgeon, neurosurgeon, or other doctor for a second opinion, treatment, or testing the auto insurance carrier will be required to pay those additional medical bills. You should never have to pay a medical bill out of your own pocket as long as the treatment was medically necessary and related to injuries sustained in your auto accident. The most important point to understand is that you will need to see a chiropractor after an auto accident. Though you may have been to the hospital and a medical doctor you still need to see a chiropractor. Why?Because you need a doctor that focuses on the treatment and diagnosis of auto accident injuries.