Posted On: July 21, 2007, 7:45 am CDT

Posted By: wudchuck

ok, we can make a cup 1/2 empty or 1/2 full. we can always strew numbers to fit any category we want. the fact of the matter is, usually someone with a higher score, can probably afford a small minor repair on their car and not file an insurance claim. but those of the lower statue, uses the filing correctly to get their vehicle fixed (or so they are supposed to). some folks take the money to fix their car for other items of need. concern i have is truly - are we making this a bigger deal than it shud be. personally, a risk is based on how they use the car and drive it. the credit score that is being used is based mainly on those whom are likely to file a claim for an incident. problem with that is, it's truly an unfair predictor of someone's driving habits. afterall, an insurance company was designed to restore the value of the object at the time of the loss. some folks are just not flowing with real cash and can afford any vehicle he/she wants. we should not penalize those folks whom are not as fortunate as those whom have the silver spoon. we should flag those whom have a considerable incidences to ensure that they are actually viable payouts vs a driving habit/error. what we shud be concerned with is that the amount to be pd for fixing the veh or injuries is paid to the invidiual entities involved or to make sure the repair is done. remember, just because i might have bad credit does not mean i can't be a good risk and deserve great rates.