Credit history is just one factor used to determine a driver's auto insurance score, which carriers use to predict how likely it is that an applicant will have future claims. Other data that can affect an insurance score varies, but often includes the applicant's accident history and past claims. (Credit: Aerial Mike/Adobe Stock)
The office of Washington Attorney General Bob Ferguson announced November 8, 2022, that a Thurston County Superior Court Judge had rejected an attempt by PEMCO Mutual Insurance Company and subsidiaries of the Progressive Corporation to halt an investigation by his office into potential racial discrimination against Washington drivers through the use of consumer credit histories in determining auto insurance premiums.
A release from Ferguson's office states both PEMCO and Progressive "use consumer credit histories — or "credit-based insurance scores" derived from a consumer's credit history — to decide whether to sell, and at what price to sell, their auto insurance products, despite evidence that this practice disproportionately harms people of color."
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Brittney Meredith-Miller
Brittney Meredith-Miller is assistant editor of PropertyCasualty360.com. She can be reached at [email protected].
