timetopay Posted July 14, 2016 Report Share Posted July 14, 2016 Life aint fair pal. Pay your higher premiums now that your aging and stop trying to bring the black man down further. Black lives matter Quote Link to comment Share on other sites More sharing options...
WVU Posted July 14, 2016 Author Report Share Posted July 14, 2016 Your question has been answered many times, you simply don't like the answerincorrect. As I said Boat = obtuse Quote Link to comment Share on other sites More sharing options...
Always Call Heads Posted July 14, 2016 Report Share Posted July 14, 2016 lots of answers but nothing pertaining to my question They do not have to be biased based on race. You know where they are and you rate the area. Quote Link to comment Share on other sites More sharing options...
WVU Posted July 14, 2016 Author Report Share Posted July 14, 2016 Life aint fair pal. Pay your higher premiums now that your aging and stop trying to bring the black man down further. Black lives mattermaybe it would turn out to be cheaper for blacks? Why did you assume otherwise? Quote Link to comment Share on other sites More sharing options...
timetopay Posted July 14, 2016 Report Share Posted July 14, 2016 maybe it would turn out to be cheaper for blacks? Why did you assume otherwise? Because I do this all day long and talk to underwriters and know how it will turn out Quote Link to comment Share on other sites More sharing options...
Guest boatboatboat Posted July 14, 2016 Report Share Posted July 14, 2016 (sigh) Insurance companies set prices based upon the likelihood of a claim. Any prices are approved by the States Dept of insurance. They have to be justified based upon prior claims for that "class" of insured. Many things go into prices obviously type of car and amount of insurance and deduct and blah blah blah Other things that affect price that specific individuals driving , credit, criminal record that drivers age. if a youth their grades and parents prior claims that drivers sex that drivers address some areas are much more prone to hit and run as well as theft or vandalism Race is not asked nor provided to the insurance company. Quote Link to comment Share on other sites More sharing options...
WVU Posted July 14, 2016 Author Report Share Posted July 14, 2016 so why can't they make a table showing hispanics get into more accidents than whites? Why is race protected, but not age or sex? Boat, answer this and not the answers everyone knows (zip code rates) Quote Link to comment Share on other sites More sharing options...
WVU Posted July 14, 2016 Author Report Share Posted July 14, 2016 Because I do this all day long and talk to underwriters and know how it will turn out so tables would show blacks to be more expensive to insure? Why couldn't they use those tables? Quote Link to comment Share on other sites More sharing options...
timetopay Posted July 14, 2016 Report Share Posted July 14, 2016 Boat his question is why race isnt asked for. He knows it isnt. Quote Link to comment Share on other sites More sharing options...
timetopay Posted July 14, 2016 Report Share Posted July 14, 2016 so tables would show blacks to be more expensive to insure? Why couldn't they use those tables? Same reason you cant have a black section at a restaurant pal. Quote Link to comment Share on other sites More sharing options...
Guest boatboatboat Posted July 14, 2016 Report Share Posted July 14, 2016 2 potential reasons No study has ever shown that probity of claim is based upon race It's against the law Quote Link to comment Share on other sites More sharing options...
timetopay Posted July 14, 2016 Report Share Posted July 14, 2016 Perhaps just as important, insurers NEVER use race or religion to set rates. Such practices are illegal. Insurers believe them to be abhorrent as well. Quote Link to comment Share on other sites More sharing options...
WVU Posted July 14, 2016 Author Report Share Posted July 14, 2016 Same reason you cant have a black section at a restaurant pal. 2 potential reasons No study has ever shown that probity of claim is based upon race It's against the law it is also against the law to discriminate against sex. Yet insurance companies do. Same with age. Quote Link to comment Share on other sites More sharing options...
Cop Posted July 14, 2016 Report Share Posted July 14, 2016 Why can sex be used and not race? Quote Link to comment Share on other sites More sharing options...
Always Call Heads Posted July 14, 2016 Report Share Posted July 14, 2016 do you know this to be true? I think you could find a difference in accident rates for blacks vs white vs hispanics if you looked. Why would blacks be worse drivers with the same income level? We know they have better reflexes. Quote Link to comment Share on other sites More sharing options...
timetopay Posted July 14, 2016 Report Share Posted July 14, 2016 Boat you ever want to sell let me know. Can you a nice 10% bonus and we have contests for my team that I can let you organize Quote Link to comment Share on other sites More sharing options...
WVU Posted July 14, 2016 Author Report Share Posted July 14, 2016 boat still doesn't get it. Quote Link to comment Share on other sites More sharing options...
WVU Posted July 14, 2016 Author Report Share Posted July 14, 2016 Why can sex be used and not race?ah finally someone gets it Quote Link to comment Share on other sites More sharing options...
timetopay Posted July 14, 2016 Report Share Posted July 14, 2016 Why would blacks be worse drivers with the same income level? We know they have better reflexes. Rap music and weed impair them all Quote Link to comment Share on other sites More sharing options...
WVU Posted July 14, 2016 Author Report Share Posted July 14, 2016 Why would blacks be worse drivers with the same income level? We know they have better reflexes.I didn't say it would be worse (TTP did). I only said it is likely to be different. Quote Link to comment Share on other sites More sharing options...
Cop Posted July 14, 2016 Report Share Posted July 14, 2016 We are being discriminated against WVU. Lawsuit!! Quote Link to comment Share on other sites More sharing options...
WVU Posted July 14, 2016 Author Report Share Posted July 14, 2016 Insurance is a scam industry and guys like Boat and TTP are helping to perpetrate and destroy this country Quote Link to comment Share on other sites More sharing options...
timetopay Posted July 14, 2016 Report Share Posted July 14, 2016 You both do know the Civil Right act correct? Quote Link to comment Share on other sites More sharing options...
Guest boatboatboat Posted July 14, 2016 Report Share Posted July 14, 2016 My guess is WVU thinks blacks have more claims than whites. I have never seen a study that shows if a white and a black male age 27 live in area 55555 and have clean priors that the black is more or less likely to have a claim Quote Link to comment Share on other sites More sharing options...
Bfo Posted July 14, 2016 Report Share Posted July 14, 2016 Rap music and weed impair them allShort attention span. Quote Link to comment Share on other sites More sharing options...
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