The additional money would come from higher premiums on policies.

Almost all the cooperative's revenue, which totaled $577 million last year, comes from premiums paid by consumers.

Income from premiums paid to the program totaled more than $1.1 billion in 1996.

These accounts would be funded with money from premiums paid by citizens and the private insurers.

The money, which will be in the form of $970 million in notes, comes from premiums paid by member banks.

And when investment earnings are added to those from premiums, industry financial records show a profit in 5 of the last 16 years.

But drivers are unlikely to get any immediate relief from soaring premiums.

The money from premiums is invested in government securities.

But costs kept rising anyway, much faster than the rate of inflation or the funds' income from premiums.

The company receives a portion of commissions generated from premiums.