Yes, and that's been in play. From my understanding, the minimum requirement has never not been in play. It's the structure of how it's done. There are insurance brokers now advising carriers with bad records that, rather than going to the open market to get pricing from a legitimate insurance company, they should price immediately with facility insurance. They select from a menu and very specifically select liability insurance at a lower cost than we would pay in the open market and then buy the other items of insurance coverage on the open market and aggregate that. This is because, simply put, on the open market, they would not survive.
Facility insurance wasn't meant to be penal; it was meant to change behaviour, and behaviour doesn't change when it's not monetary, unfortunately. If the people being targeted specifically with insurance issues.... During my time in an insurance captive that I'm part of, we have seen many try to enter our group of insurance coverage simply because they can't afford insurance coverage, but they're not willing to change their safety practices. They're not willing to increase their hiring or training criteria; they simply take drivers with fresh driver's licences and employ them. That is an industry problem; even if someone does get a driver's licence, most trucking companies won't take a new driver, because they don't have the two years' minimum insurance requirements that a lot of insurance companies want.
It's a very convoluted insurance issue.