[BILLY D.]

val

insurance companies, i'm refering to car insurance work on what is called the pool system. they figure which age group has the most accidents, they get charged the most. they figured which metropolitan are haa the most accidents, they get charged the most in insurance. rates. thats why a kid from podunk pays appreciably less than a kid from metropolis city.

the pool system also concerns home owners insurance. thats why you pay more than i do. considering a home of equal value. your area is much more prone to to be ravaged by wind storms or flood than mine, so i would pay less. also crime is higher in your area so that would be considered.

even this state, north dakota has aids. the state had 12 new reported cases ast year. but we have a of under 700,000 people in the whole state. your neighborhood bar has more people than that.

thats why the insurance companies all use those graphic, tabular and behavioral science data. if they didn't they would go under. what they are working on is called risk assessment. they roll the dice and judge their clients according to risk. their actuaries figure the odds.

i'm 100 years old, i've been convicted of dui, and lead a active sex life. you are a 33 year old virgin and lead a quiet life, and don't drink.

which of the above scenarios is going to cost the most in insurance rates?

by the way i read about the folks in florida at the nursing home and the outbreak of std's. thats why i used that reference. when i read stuff like that i can only think the usa is just like the roman empire and on the slippery slope due to decadence.

i better shut up before i go on a rant.

see ya kid. watch your p's and q's.