Who should you believe? The Insurance Company ? The Credit Reporting Agency?, Or your BMV Report?

It's December 2007 and do you know where your Vehicle insurance is?  More exactly, I mean do you know what it's based on.

I received notice that we are up for renewal and that even with no tickets, accidents and my having over 2,000,000 accident / ticket free miles my rates are going up for PL/PD & UM (property liability/ property damage and uninsured motorist) on our old 1988 Olds Cutlass 4dr sedan.  Mind you we pay for it every six months all at one time.  I do shop around and I do compare companies and I only drive a car locally anymore as it is a ministry gift and we use it sparingly because we can't afford to trade up in our current economic condition and our life style reflects the reality of my current status.

So they tell me I am up for renewal and My rates are going up due to a slow credit report status.  Not may driving record, Not for any unpaid tickets or reckless driving, Not for paying my premium in full every six months.  But for Credit I did NOT apply for, or use with them.  What kind of reasoning is being applied here?  Is Not the sum of our many years of safe driving, better then our parts of late payments on who knows what?

My point in this diatribe is that; if our government insurance commissioners allow a company to do business in our state, say for automobile insurance, then should they not "insure" they only use the driving record of the insured?  If I choose to have terrible credit and some one wants to check it for credit purposes then so be it, No Credit, or pay a deposit, or pay a surcharge or something reasonable.  But to be thrown into a high risk category for slow credit?  That is irrational, by any stretch of the imagination.

Too many things have been allowed by Commissions overseeing the insurance industry that invades decision making, and our ability to make reasonable payments, affecting our homes, our vehicles, our local governments, and even affects the cost of doing business in a very indirect an direct way at so many levels.  Insurance "Risk Management" has become too broad a buzz word, to tolerate without comment or challenge.

Insurance in all it's forms is not the answer.  Good old American know how, hard work, decent agreements between decent parties involved making them are the true answer.  This I can't afford to do this or that without this level of insurance is just too socialistic . . .There I have use the S-Word.  Now then what do I propose?  Leave CREDIT out of the lives that don't want  to engage in it.  If one pays the premium in full then that is that.  if one wants to leave a deposit on file with the company then don't return it.  If someone prepays a order, or service, then it should be worth a discount not an increased premium or charged more for keeping one out of bondage to; I agree to be bound to the terms and conditions of this agreement. . . . sounds familiar?  Just how invasive has credit and insurance risk management become?  See what is happening with our utilities, taxes, cost of government, and just try to get less expensive home insurance for less then $50,000.00 on an old paid off home only worth $20,000.00

Look at your billings America, and check to see if you don't see the same thing happening, and see also if you agree it is time to do something about this and stem the tide of what is going on in every county in our state.  If yo do, then it is time to unite and act on this kind of business just as it is on out of control Property Taxes and governments.

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