Posted On: May 29, 2008, 1:36 pm CDT

Posted By: Driving While Female & Black

From a personal standpoint, how those of us due to bad marriage (i.e. financial choices and bad spousal choices), set for foreclosure on home - I have been with my company for over ten years and NEVER filed a claim. In GA you better have insurance or ELSE! I may have made poor financial choices but I'll be doggone if I am lumped with people that have low credit scores and are more likely to file a claim/commit fraud. I pay $84 a month for a TEN YEAR OLD car and that has been taken out of my paycheck for TEN YEARS. Compared to some other people I deserve a medal! EVERYTHING should figure in before you settle on my zipcode, credit score, etc. I work in insurance and fully understand that my company has to make a profit or else I will not get paid. I do not consider credit scores fair as the company needs to look at the WHOLE picture. Insurance companies do not run D & Bs on every insured - they love the loss history, coastal region part so they can jack up the premiums. Losses/Location By Association. Same with credit scores. It's here to stay whether we like it or not.