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Path: utzoo!watmath!clyde!burl!ulysses!mhuxr!mhuxn!ihnp4!oddjob!matt
From: matt@oddjob.UUCP (Matt Crawford)
Newsgroups: net.flame
Subject: Re: Women/men and car insurance
Message-ID: <847@oddjob.UUCP>
Date: Wed, 10-Jul-85 16:25:36 EDT
Article-I.D.: oddjob.847
Posted: Wed Jul 10 16:25:36 1985
Date-Received: Fri, 12-Jul-85 02:23:27 EDT
References: <524@rtech.UUCP> <6700019@pbear.UUCP>
Reply-To: matt@oddjob.UUCP (Matt Crawford)
Organization: U. Chicago, Astronomy & Astrophysics
Lines: 30

peterb@pbear.UUCP responds to:
>>>       A friend of mine tried to get insurance on her car but the
>>> insurance companies (3 of them before she said to hell with it)
>>> refused to consider her for low cost insurance because her husband had a
>>> marginal driving record (2 tickets in 6 months after 12 years without
>>> a single violation)
>>>
>>> jeanette l. zobjeck
>
>	All of insurance is based on statistics and the ability to apply it
>to predict when an event can happen. In this case statistics are being used
>to predict when a car accident will occur.
>.....
>the formulae to make the premiums larger during the first 6 to 12 months
>since those months would be the ones with the largest deviation from the
>normal. As time passes and if there are no more tickets, the premium will
>drop since the deviation will approach a more "normal" value.
>
>	There's nothing illegal about it... it's just mathamatics at work
>earning money for the insurance companies...

I think you have missed the whole point, Peter.  The insurance
companies in question here are deciding this woman's eligibilty
based on HER HUSBAND'S driving record.  If they do not apply the
converse equally to married MEN, then these companies are ripe
targets for legal action.  If they do consider wives' driving
records the practice is still highly questionable.
_____________________________________________________
Matt		University	crawford@anl-mcs.arpa
Crawford	of Chicago	ihnp4!oddjob!matt