I say let each carrier take into consideration what criteria they want in order to firm up rates.
If there have been studies that show definite differences with regard to the rating criteria they wouuld like to use, then how can it be considered discrimination – it is clearly fact!
Maybe it\’s the Blacks & Hispanics that do not have an education who are griping because they chose not to do what it took to become educated & hold a job. We do have public schools & there are grants & loans for low income people of all races, if someone really wanted to attend college…. it\’s back to choices & I say if they wanna sit on around & not do anyting productive then by all means they do not get the same discounts that the rest of the the folks will get because they did utilize their education & are a productive member of our society!
By the way… I am not black or hispanic but I know many that are & are very productive members of society & I am sometimes inspired by their accomplishments that far outweigh my own!
So if you think I am racist because of these comments, think again, I am an honest person who calls it like I see it!
\”Ironically, Gill said, a 2005 study by an independent insurance rating company found doctors and lawyers were among the drivers most likely to be involved in an accident. Gill said that according to the study, firefighters and homemakers were the least accident-prone.\”
It appears that the more educated one is the more they have on their minds, and so are inherently a greater danger to society – and carrier\’s coffers.
Throw cell phone usage while driving into the mix, and the higher education \”risk\” climbs yet higher.
It\’s true, & that\’s why I think it\’s all good!!! If you know a Doctor working out of a hospital will be suffering from sleep deprivation then take that risk factor into consideration, but for the rest of the folks that get up everyday & travel to their jobs, give us the discount! I am all for discounts! I feel that education & occupation should be an allowable rating factor. Some type of incentive to do better, for those who can\’t seem to get motivated without an incentive!
Happy Monday!
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I say let each carrier take into consideration what criteria they want in order to firm up rates.
If there have been studies that show definite differences with regard to the rating criteria they wouuld like to use, then how can it be considered discrimination – it is clearly fact!
Maybe it\’s the Blacks & Hispanics that do not have an education who are griping because they chose not to do what it took to become educated & hold a job. We do have public schools & there are grants & loans for low income people of all races, if someone really wanted to attend college…. it\’s back to choices & I say if they wanna sit on around & not do anyting productive then by all means they do not get the same discounts that the rest of the the folks will get because they did utilize their education & are a productive member of our society!
By the way… I am not black or hispanic but I know many that are & are very productive members of society & I am sometimes inspired by their accomplishments that far outweigh my own!
So if you think I am racist because of these comments, think again, I am an honest person who calls it like I see it!
Let me get this straight . . . it\’s ok to use someone\’s credit score for rating purposes, but it\’s not ok to use education and occupation.
Very interesting!
\”Ironically, Gill said, a 2005 study by an independent insurance rating company found doctors and lawyers were among the drivers most likely to be involved in an accident. Gill said that according to the study, firefighters and homemakers were the least accident-prone.\”
It appears that the more educated one is the more they have on their minds, and so are inherently a greater danger to society – and carrier\’s coffers.
Throw cell phone usage while driving into the mix, and the higher education \”risk\” climbs yet higher.
It\’s true, & that\’s why I think it\’s all good!!! If you know a Doctor working out of a hospital will be suffering from sleep deprivation then take that risk factor into consideration, but for the rest of the folks that get up everyday & travel to their jobs, give us the discount! I am all for discounts! I feel that education & occupation should be an allowable rating factor. Some type of incentive to do better, for those who can\’t seem to get motivated without an incentive!
Happy Monday!