Insthrowaway

5 ms·

1. 1.▲
   by Insthrowaway 2y ago

   I'm in the industry: regarding California,the answer is that they aren't paying high enough premiums. Regulators have refused to allow catastrophe modeling to set rates, so fire prone areas are effectively getting a discount.
2. 2.▲
   by Insthrowaway 3y ago

   While all those incidents you described weren't your fault, surely you have to agree that there's a correlation between driving in situations like that and being more likely to get in an accident? It isn't just about your dri
3. 3.▲
   by Insthrowaway 4y ago

   I work at a large insurer (not State Farm). The frequency of theft on Hyundai/Kias is actually insane. In metro areas where it's happening, it's 10x the theft rate of other makes in the area. We're talking a 5-10% chance