[jeffbee]

We already have this problem with car insurance in California. In the 1980s, at the tail end of a long series of stupid initiative ballot measures, Californians wrote down that there are only 2 strata of risk: good drivers, and everyone else. "Good Driver" is defined as a person who has had a license for 3 years without killing or injuring anyone. Because of this, California is the only American state where the law requires that a middle-aged person who drives a base model Honda Fit, and a 19-year-old with a Dodge Hellcat who miraculously hasn't killed anyone, yet, that we know of, both get the same "discount". And consequently it is unlawful here to offer those telematics systems that charge less to good drivers and more to bad ones.

[brogrammernot]

Yup, I hated reviewing California based book of business.

Everyone is upset their rate is going up but the issue is lack of ability to use predictive underwriting because of what you said and more.