Relay-Version: version B 2.10 5/3/83; site utzoo.UUCP Posting-Version: version B 2.10.2 9/18/84; site oddjob.UUCP 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