Zip code mythology [sameday4loans.blogspot.com]

Zip code mythology [sameday4loans.blogspot.com]

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When people start talking about the fairness in how insurance rates are calculated, the one issue they always mention is the zip code. The argument always runs the same way. Insurance should be all about the driver and how safely he or she drives. Insurance should work on a carrot and stick basis, i.e. if you drive well and don't make a claim, the rates should fall, but if you drive badly and there are multiple claims, the premium rates should rise fast. But if the rates are set by where you live, this has nothing to do with how well you drive. It's punishing you for your address. Worse, it may also be racist because many of the zip codes with higher rates are occupied by African Americans or Latinos. Higher rates are a judgement on how these races live in a neighborhood. Let's go back to the beginning. The insurance rates are actually an estimate of the risk you will make a claim.

Remember there are three basic types of policy. The liability cover is to protect you from claims made against you. In the cheaper policies, the extent of the liability is capped, i.e. the mandatory minimum cover is set by law in most states. In an at-fault state, this is more directly tied to your own driving skills so, for most practical purposes, where you live would be less relevant. But with collision and comprehensive cover, we are looking at the risk someone will crash into you or steal your vehicle. So, if you live in an area where people more often ignore traffic laws, steal vehicles or vandalize them, this does directly affect the risk you will make a claim. It's the same as living in an area prone to flooding. You would not ask the insurer to ignore the reality that every time it rains heavily, your yard fills up with water. Well it's the same when it comes to the risk of your vehicle being stolen. It's not a coincidence that the state with the highest rates of vehicle theft should have voted through a limit on the zip code weighting system. In 1988, California passed Proposition 103 which outlawed the practice of raising the premium rate just on the basis of your address. Some estimate this change has saved Californian drivers billions of dollars. Yet, interestingly, the insurance industry continues to be profitable. Even though we've just been through one of the worst recessions of all time, it continues to make money. The protests of the insurance industry that they would all be driven into bankruptcy have been shown false. What's interesting about the change is that, in 1996, Commissioner Chuck Quackenbush tried to compromise and limit the percentage of the weighting for a "bad" address. Commissioner Garamendi rejected this and insisted there be no weighting at all. So the higher losses from one area are subsidized by the money collected from those with "good" addresses, i.e. the only change is in who pays, not in the total amount collected. This is good for those in bad areas when the car insurance quotes come in. They have saved billions. But the car insurance rates for those in the good areas have risen to compensate. Suggest Zip code mythology Articles

Question by tbmunroe: I received an email clearly intended for fraudulent purposes. Who should I alert? Judge for yourselves, is this creepy or what?: Flag this messageUrgent (Please Respond Swiftly)Wednesday, October 8, 2008 9:22 PM From: "James Gordon" Add sender to Contacts To: undisclosed-recipientsHello, Are you a property owner in the United States? Do you have an existing home equity line of credit or personal/business with any US/CANADIAN Bank? I am Mr. James Gordon from James Gordon Designs London, UK. I write to solicit your assistance in working with me as my Payment Officer who can help me establish a medium of getting across to my customers in USA and CANADA as well as making wire transfers to you on my behalf. I made and Export furniture into Canada, America/Europe and have Clients who make bulk transfer of funds and due to large sum of money involved, they prefer making the transfers into an Equity Line of Credit account. If interested do get back to us with your details below and we will do furnish you with more details. You will be allotted 5-7% of total amount wired into your account. PERSONAL INVESTMENT FUNDING APPLICATION FORM First Name: Last Name: Address: City: State: Zip Code: ***Mark "x" in the bracket below** Own a House ( ) Rent ( ) Home Tel: Mobile: Email. Social Security #. Occupation: Date of Birth: Investment Amount: Duration: 30 days ( ) 60days ( ) 90 days ( ) Above 90 days { } **Mark "x" in the bracket below** 1. Are you a property owner in the United States Yes ( ) No ( ) 2. Do you have an existing home equity line of credit or personal/business with any tire One US Bank? Note: Credit cards, mortgage loans, checking accounts are not accepted. Yes ( ) No ( ) 3. Provide line of Credit / home equity account number: 4. What is the credit limit on your line of Credit / home equity account USD$ 5. What is balance presently owed on your line of Credit/ home equity USD$ . 6. What financial institution is your line of Credit / home equity with? 7. What are the address and 1800 number of your financial institution? I hereby authorize the investor to verify the above information for investment decision. I certify that the information is true and to the best of my knowledge. Applicant�??s Signature Date ************************IMPORTANT NOTICE*********************** This form must be returned with the following: * A copy of beneficiary's identification (Drivers License or International Passport) will be required. This is an investment program that offers 100% funding upon approval. This program is not a loan program and has no direct liabilities to the beneficiary. James Gordon 29 Niton Street, London, SW6 6NH. http://www.timwood.com Best answer for I received an email clearly intended for fraudulent purposes. Who should I alert?:

Answer by Swanky
1-800-SNITCH

Answer by Die_Niedel
First thing DON'T reply to the email, Second, if your account is Hotmail there's a feature that you can flag the email as Phishing Scam, with that Hotmail sends the email to Microsoft and flag it, unfortunately there's nothing more to do, I receive at least 5 of those everyday and just report it as Phishing scam.

Answer by rangerslagsweet
you could report it to Fraud Watch: http://www.fraudwatchinternational.com/report_fraud/report-fraud/ or to the United States Department of Justice's site for Spam/Fraud email: http://www.usdoj.gov/spam.htm

Answer by Ron M
You can start here: http://www.usdoj.gov/criminal/fraud/websites/idtheft.html

Answer by You did what? RTFM!
I get a dozen of those type of emails a week. Don't waste your time. Nobody is going to do much about them because the email accounts don't last long. Just ignore/delete them like everyone else does.

Answer by Lukeoid1
I just received one today too CLEARLY a SCAM In the age of ID theft, this is a little too blatant. I'm hoping that not many will answer this.

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