A Detroit senator has introduced a bill to limit the factors insurance companies can use to set their rates, something he sees as fair but an insurance industry group says would raise costs for people living in rural Michigan, according to MLive.com.
Senate Bill 312, introduced by Sen. Morris Hood III, D-Detroit, would limit the criteria auto insurers could use in setting their rates to three factors: anticipated repair costs, civil infraction history and insurance claims history. Insurers now use a lot more than that, including how many years somebody has been driving, where you live, insurance-based credit scoring and miles driven.
But according to Pete Kuhnmuench, Executive Director of the Insurance Institute of Michigan, there are aspects of urban living that drive up claims, which in turn drive up rates.
Two big ones he mentioned were crime and density. Urban areas tend to have higher crime rates, meaning there are more claims for cars being broken into or stripped, as well as things like carjackings. And they're more dense, he said, and more people with more cars means more congestion and more accidents.
The bill was referred to the Senate Insurance Committee. It would have to pass the full Senate, full House and earn a signature from Gov. Rick Snyder to become law.
Read more about the bill here.
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