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CURE Auto Insurance Supports Ban of Credit Scoring in Setting Auto Insurance Rates

Monday, 7 December 2009 4:29 A GMT

Princeton, NJ (PRWEB ) December 6, 2009 -- According to a national study conducted by The Federal Trade Commission (FTC), 92 percent of auto insurance companies use credit scores as rating and underwriting factors for car insurance policies. CURE Auto Insurance strongly opposes using a person's credit score to determine their auto insurance rates and is pleased to offer a series of tips for consumers on how to combat the unfair practice.

 

"CURE has been a leader in speaking out against unfair rating and underwriting practices since its inception," said Eric S. Poe, Esq., CPA, COO of CURE Auto Insurance. "We don't believe that a person's credit score is representative of how well they drive. The use of credit scores unfairly discriminates against working class, middle, and lower-income drivers."

 

A FICO credit score only apportions 35 percent of a person's credit score to payment history, while the second highest factor of 30 percent is related to a person's "debt utilization" which is indirectly based upon a person's annual income. "Additionally, with unemployment surpassing 10 percent, credit card debt is a matter of survival for millions of Americans. Credits scores are nothing more than an income proxy and the unfair practice of using them in setting rates needs to be stopped," added Poe.

 

CURE Auto Insurance offers the following tips to help drivers get the best, most equitable rates regardless of credit scores and / or income levels:

 

1.    If you have less-than-perfect credit, call your state Department of Insurance and ask them for a list of auto insurance companies that DO NOT use credit to determine rates.

 

2.    If your rates go up because of your credit score, consider switching insurers. Some auto insurers that choose not to use credit score are: CURE Auto Insurance and New Jersey Manufacturers.

 

3.    If you feel it is wrong for auto insurance companies to use credit scores in determining rates, contact your local and / or state legislator and voice your opposition to their use. Most people do not believe writing a letter or calling your legislator makes a difference, but you would be surprised how much it really does.

 

CURE writes policies in Pennsylvania and New Jersey and has never used credit scores in its rating or underwriting. Additionally, Poe has actively testifying across the country, revealing the industry's use of credit scores and other income proxies in setting rates, and calling for the ban of the use of credit scores, education and occupation. Most recently Poe testified in 2008 in Washington D.C. House of Representatives to support the bill (Watt - N.C.) to ban the use of credit scores for consumer insurance on a federal level.

For more information on CURE please visit www.CURE.com or call 800-535-CURE.

 

 

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Altaf Hussain telephones PM Gilani

Saturday, 5 December 2009 4:14 A GMT
ISLAMABAD, Dec 4 (APP): MQM Quaid Altaf Hussain telephoned Prime Minister Syed Yusuf Raza Gilani and expressed his deep sorrow and grief over the loss of innocent lives in the tragic incident of twin suicide bomb attack at a Mosque in Rawalpindi on Friday.

He praised the valour of the law enforcement agencies for rendering great sacrifices in protecting the lives of the people.

Altaf Hussain asked the Prime Minister to appeal the Ulema to condemn terrorism in strongest terms and create awareness among the people that suicide bombing is un-Islamic and a inhuman act.

He offered full support to the government and said that his party is whole-heartedly behind the government efforts in stamping out terrorism and militancy from the country.

Thanking Altaf Hussain for his support, the Prime Minister said that these cowardly acts of terrorism would not weaken our resolve to eliminate terrorism from the country and added that the operation against them would continue till its logical conclusion.

He said that terrorists have no religion and no boundary and today’s act of terrorism in a mosque killing innocent people clearly reflects their evil designs.
 

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MailTones for BlackBerry

Thursday, 29 October 2009 10:05 A GMT
Electric Pocket has launched its new versions of Mailtones application for Blackberry Smartphones. The application allows users to personalize the alert tones for incoming emails. They can set different tones for each of their friends and family members. read more

Iranian officials should stop their rhetoric

Wednesday, 21 October 2009 9:35 A GMT
Some people on the facebook angrily accused me spreading sectarian hate. They expressed their angry views in response to my comments. I will present some of the statements given by high ranking officials who accused Pakistani intelligence agencies of supporting the Baloch extremists.

Iran’s Intelligence Minister Heyder Moslehi said:

“According to the evidence, the Pakistan intelligence service is linked to the Rigi group and Pakistan has to clarify its position regarding the group.”

Guards commander-in-chief Mohammad Ali Jafari also said that Pakistani intelligence agencies have ties with the militants.

These two officials are not ordinary officials. They are responsible and high ranking officials. Their statements indicate that whole Iranian government thinks that Pakistan agencies are trying to destabilize Iran.

Pakistan is already in turmoil. Accusations from friendly Islamic countries will further increase our woes of my country and distract our forces from carry out their operations in FATA properly. Our forces need our moral support in this crucial time.

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Creative launches Lightweight Live! Cam Socialize HD Web Cam

Monday, 19 October 2009 2:27 P GMT
Creative has launched a new web cam for people who use video chat on website like Skype, Yahoo and MSN. Their new Live! Cam Socialize HD web cam will enable users to streams up to 30 frames per second in HD. The users can also record them and upload their HD format videos instantly. read more

MatchLink’s dating affiliate program

Friday, 16 October 2009 3:32 A GMT
MatchLink has launched a dating affiliate program for webmasters. It is offering 66% commission for each sign-up. It will supply you all the text links and banner ads and give you valuable advice to promote their dating website. read more

The sophisticated assaults underscored the weakness of security forces

Thursday, 15 October 2009 8:44 A GMT
The attack of suspected Taliban militants on a Federal Investigation Agency office and two police training units in the eastern city of Lahore today showed the weakness of security forces. The coordinated attacks indicate that militants are highly organized. It gives the impression that they can paralyze nation’s most vibrant cities any time.

A lot of people are praising the security agencies for the successful operations of the security forces. We should pay attention to the statement of Interior Minister Rehman Malik.

He told reporters:

"They are involved in guerrilla war. First they were active in NWFP (North West Frontier Province), now they are engaged in Punjab. They are terrorists paid to destabilize Pakistan."

Interior Minister’s statement is frightening. It means terrorists are extended their operation to Punjab. It means Pakistan’s woes will increase in the coming days. The way they started their recent attacks indicate that they have plans in their mind to destabilize Pakistan. Security forces should now wake from deep slumber and do their do duties diligently.

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Category: Pakistan

VisionBedding.com makes Unique Home Decor Items

Wednesday, 14 October 2009 7:59 A GMT

Everyone wants decorate his room with a personal touch. But when a person starts decorating his room he faces difficult in buying home décor items. I will tell you about a company which can help create customized bedroom decor, wall murals, pillows.. read more

http://saab-se.com

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Buy designer dog beds

Wednesday, 14 October 2009 6:01 A GMT

Fourlegidentity.com is offering dog beds designed by with Vurv Design. The addition of Vurv Design pet beds will give their customer more choices to select. These god beds are stylish and comfortable. read more

Visit http://qset.org 

 

SilverandStuff.co.uk: A new internet gift shop

Monday, 12 October 2009 4:21 A GMT
SilverandStuff.co.uk is the new website. Emma Barwise is the owner of this internet gift shop. She has launched this website this month. She will sell homeware, silver jewellery, gifts for her, gifts for him and other tasteful gift items. read more

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NextWindow launches its Touch Overlay product

Saturday, 10 October 2009 10:44 A GMT
NextWindow has launched its 2700 Touch Overlay product in the market. The company says it has shipping it to its partners.

The 2700 Touch Overlay product can transform a plasma or LCD into an interactive multi-touch screen. read more

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Outlook Backup and Migration Software

Friday, 9 October 2009 11:27 A GMT
Disk Doctors has launched email backup software. In my opinion, their Smart Email Backup software will prove to be good utility to back and restore their important emails. The software can also help users ...read more

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Dungeonknight.com launches Replica Rambo Knives

Friday, 9 October 2009 3:00 A GMT

Dungeonknight.com has launched new Rambo knives. They have introduced Rambo knives to celebrate the announcement of Rambo V movie. The shooting of the movie will start in the spring of 2010. read more

 

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iLFerraClothing.com sells Skateboard Clothing

Thursday, 8 October 2009 10:27 A GMT

Started by two 18-year old Hofstra University students, iL Ferra Clothing Co. is a new skateboard clothing and apparel company created by skateboarders, for skateboarders. The skateboarding Web site features shirts, hats, skateboards and other gear and apparel designed and modeled exclusively by their fans. read more

 

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Kiki’s Fashions sells trendy maternity clothes

Wednesday, 7 October 2009 11:56 P GMT
Kiki’s Fashions is a well known online retailer of trendy maternity clothes. They carry a wide selection of maternity clothing for expecting moms. You will find good quality and stylish top tanks, short sleeves, transitional, bottoms and dresses. ...read more

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Waterbuoy object survival device for any waterside operation

Wednesday, 7 October 2009 11:54 P GMT
Marinemart.com has added Waterbuoy in their inventory. This intelligent miniature floatation device should be used by people who work near water. read more

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Suunto watches

Wednesday, 7 October 2009 11:51 P GMT
Suunto watches make high quality and reliable altimeter watches, compass watches, GPS watches, and heart rate monitor watches. Scientists, professional navigators and athletes prefer Suunto Watches for their work because they provide accurate and dependable instruments. ..read more

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Premium Hunting/Hiking Boots

Wednesday, 7 October 2009 11:40 P GMT
An experienced hunter will always take high quality hunting boots and gear so he can withstand rough weather and extreme temperatures in the jungle. read more

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Air Purifiers Can Help Curb Aggravating Winter Allergies

Wednesday, 7 October 2009 11:33 P GMT
Winter is often the season when our indoor air quality suffers the most. Seasonal activities such as burning logs in a fireplace, weatherizing doors to seal out cold air, and cranking up dust-ridden heating ...read more

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BEST CAMERA is an excellent photography application for iPhone

Wednesday, 7 October 2009 9:28 P GMT
Ubermind, Inc., has launched a new Apple iPhone application to shoot, creatively edit, and share photos. They have launched this application in collaboration with famous photographer Chase Jarvis. read more

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