[Shotimes] Re: Semi OT - Insurance rates/Credit Rating

[bjshov8]

First of all you have to understand that what insurance companies do doesn't
have to make sense.

Their goal is to make money, and they do that by raising rates.  They look for
anything they can use to justify higher rates.  They look at driving records,
but then they look at the kind of car you drive.  They weren't making enough
money so somebody decided that they could justify looking at credit ratings.
One of these days they'll be looking at your hair color, what kind of
hamburgers you eat, etc.  If they can get enough angles figured out, then they
can charge higher rates for everybody.
  The only criteria an insurance company should need to gauge 'responsibility'
should be accident reports and claims records.