Originally Posted by
Wogsterca
Actually it probably works well for insurers...some individuals will fall outside the parameters. Typically the big boned and muscular individuals, lets not pretend that the average Clyde here is either, some are, most are not.
Yes, it probably hits the mark for most people. I'm on the high end of average, which is probably about right. You wouldn't look at me (now), and say I was fat.
But, someone like the Beaner would be getting hosed. He might fall on the low side of overweight, but could outride all of us. He should have some kind of appeals proccess available. Let him take some insurance reps up a mountain, and see if they still think he's not fit.
I'm not sure how teen drivers could prove they are not high risk; I know I was!