[4jacks]

Spoonge, brings up a good point, but either way, math is math, you can't argue with it. No insurance company is going to do a detailed backround check on everyone that they insure, it would just be impossible, and cost more, for everyone. the only logical answer is to catagorize people. To do this the best catagories are the ones that prove to the most accurate, as to WHO will COST money, whether its by age, sex, race, or credit. Thier not saying, we don't like this group of people so we're going charge them more, thier stating that this group of peope is such and such more likely to file a claim, than this one and will be charged such and such more.

if you disagree... just don't fill out any surveys.