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[quote=Anonymous]I worked in insurance (property, non-auto, like a PP) and the credit score thing is 100% true. We always phrased it like a good credit score gave you a discount and a poor credit score was no change to the base rates, but in reality, our rates were not competitive if you had a poor credit score. Also, we are required to send all our policies, endorsements, and any other policy information, as well as all our rates and the math used to create them, to the state insurance departments prior to use. Generally, the state can approve or disapprove these policy forms/rates and require any modifications. And if you ever have a problem with your insurance company, contact the company first and then if they give you the run-around, go to your state's insurance department with your complaint. Companies are required by law to respond to insurance department inquiries, or we could lose our license to operate in that state. [/quote]
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