impact of credit based insurance scoring on the availability and affordability of insurance
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Hunter J Robert Director of Insurance Consumer Federation of America 32
Neeson Charles Senior Executive Personal Lines Products Westfield Group
accidents accurate actuarial African-Americans auto insurance automobile insurance availability and affordability based insurance scores casualty Personal Chairman Watt claims Committee consumer reporting correlation coverage credit card credit history credit information credit report credit-based insurance scores discrimination disparate impact driving record education and occupation ethnicity expected loss Fair Federal Trade Commission Financial Services Florida FTC report GEICO groups hearing Hispanics homeowners insurance income drivers individuals Insurance Commissioners insurance companies insurance credit scoring insurance industry insurance losses insurance rates Insurance Regulation issue Jersey Latinos legislation lenders loans loss ratios low-income McCarty Miller minority consumers NCOIL model Neeson NJCA occupation and education Oversight and Investigations Parnes percent policyholders predictive predictors prohibited property and casualty proxy effect proxy for race racial rating factors result risk factors scoring models statistical Subcommittee testimony Thank U.S. Census Bureau underwriting underwriting and rating unfairly discriminatory variable ZIP code