Posted On: April 4, 2007, 7:35 am CDT

Posted By: va u/w

The use of occupation as a rating factor in this situation is not based on observed risk. If there were observable data that showed white collar workers were statistically safer drivers, with lower claim payouts than your average blue collar or manual laborer we would not be discussing this matter. To assume that higher income correlates to lower claims frequency and payout ignores other important factors. To use the example of the doctor and restaurant worker, wouldn't a doctor typically drive a much more expensive car, work longer hours and have more access to narcotics, and be more prone to sue and be sued if involved in an accident?