Access to affordable auto insurance is crucial for many consumers who rely on their cars to get to work. This is particularly true for many consumers in low- and moderate-income communities who have to travel long distances to work without access to public transportation. Nearly every state requires drivers to purchase liability coverage, while lenders require borrowers to purchase physical damage coverage. Many states spend significant resources to track whether consumers have required insurance in place and impose harsh penalties for driving without insurance. Lenders force place expense insurance if borrowers fail to maintain required insurance. Despite the mandates to purchase, and the penalties for failing to purchase auto insurance, states do relatively little to help low- and moderate-income consumers afford auto insurance. Insurers work hard to prevent public access to data on auto insurance availability and affordability. However, numerous studies over the years have found auto insurance redlining. In years past, as shown in The Center for Economic Justice redlining studies from the mid-1990’s, insurers simply avoided offering insurance in low-income and minority communities. Today, the redlining has become more sophisticated, using a variety of so-called rating factors based on socioeconomic characteristics of the consumer, including education, occupation and credit scores. CEJ stands against these practices which disadvantage consumers in low- and moderate-income and minority communities by fighting unfair pricing practices and unfair force-placed insurance practices.
Name | Downloads | Version | Owner | Last Modified | Rating |
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Name | Downloads | Version | Owner | Last Modified | Rating |
592 downloads | 1.0 | Dana Glass | 2017-09-05 21:03 | ||
735 downloads | 1.0 | Dana Glass | 2017-08-14 21:02 | ||
560 downloads | 1.0 | Dana Glass | 2017-07-31 21:03 | ||
599 downloads | 1.0 | Dana Glass | 2017-03-05 13:23 | ||
538 downloads | 1.0 | Dana Glass | 2017-01-31 13:19 | ||
583 downloads | 1.0 | Dana Glass | 2016-08-19 13:18 | ||
527 downloads | 1.0 | Dana Glass | 2016-03-16 13:46 | ||
586 downloads | 1.0 | Dana Glass | 2016-02-01 13:25 | ||
587 downloads | 1.0 | Dana Glass | 2015-11-19 13:22 | ||
580 downloads | 1.0 | Dana Glass | 2015-08-17 13:26 | ||
604 downloads | 1.0 | Dana Glass | 2014-06-09 13:12 | ||
573 downloads | 1.0 | Dana Glass | 2014-05-01 13:09 | ||
538 downloads | 1.0 | Dana Glass | 2010-08-15 13:11 | ||
605 downloads | 1.0 | Dana Glass | 2007-09-20 13:44 | ||
569 downloads | 1.0 | Dana Glass | 1999-08-01 13:30 | ||
556 downloads | 1.0 | Dana Glass | 1999-04-01 13:35 | ||
513 downloads | 1.0 | Dana Glass | 1998-09-01 13:33 | ||
692 downloads | 1.0 | Dana Glass | 1997-05-01 13:42 | ||
644 downloads | 1.0 | Dana Glass | 1997-04-01 13:37 |