Can socio-economic factors be used to underwrite auto policies under the new “managed competition” system?

A. The regulation bans the use in rating of sex, marital status, race, creed, national origin, religion, occupation, income, education, homeownership, and age as against public policy. The one exception: drivers age 65 and over will continue to receive a discount.

The Insurance Commissioner has set similar bans in the use of underwriting based on age, sex, race, occupation, marital status or principal place of garaging; nor should companies use education or home ownership in underwriting.

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