Comment by WalterBright

There have been endless lawsuits by homeowners alleging discrimination in their insurance rates. All this impairs granular risk assessment and insurance rates. A recent WSJ article was about lawsuits from homeowners who were quoted higher insurance rates because their roof was rotten and/or there were trees that could fall on their house.

The same has happened with auto insurance rates (men and women have different accident rates, so used to have different rates), and, glaringly, medical insurance rates.