End Auto Insurance Discrimination: Driving History Matters, Not Status
This act aims to prohibit insurance companies from using data such as education, occupation, employment status, home ownership, or credit score to determine car insurance rates. This means policy prices will primarily depend on driving history, not financial or social status, potentially lowering costs for many drivers.
Key points
Prohibits the use of gender, education level, occupation, employment status, home ownership, zip code, marital status, credit score, and previous insurance history to set car insurance rates.
Insurance companies will be required to make their underwriting rules and rate filings publicly available.
Citizens can sue insurance companies for violations, and the Federal Trade Commission will enforce the act.
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