The PAID Act would end the use of income, education levels, and other factors unrelated to driving history and ability when insurance companies determine car insurance rates. (Photo: Shutterstock) The PAID Act would end the use of income, education levels, and other factors unrelated to driving history and ability when insurance companies determine car insurance rates. (Photo: Shutterstock)

Representatives Bonnie Watson Coleman (D-NJ) and Rashida Tlaib (D-MI) have introduced a bill requiring that insurance companies use only driving records in determining car insurance rates and eligibility.

The Prohibit Auto Insurance Discrimination Act, or PAID Act, would end the use of income, education levels, and other factors unrelated to driving history and ability, preventing insurance companies from using these details to raise rates for individuals who otherwise have good driving records.

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Victoria Spears

Victoria Prussen Spears is senior vice president of Meyerowitz Communications Inc., a law firm marketing communications consulting company. A graduate of Sarah Lawrence College and Brooklyn Law School, Ms. Spears was an attorney at a leading New York City law firm before joining Meyerowitz Communications. She may be contacted at [email protected].