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In an earlier article, I questioned the fairness of the status quo in insurance classification and its regulation and challenged the claim of insurers and most regulators that classification is a neutral, scientific process based on statistical differences. I also disputed the contention that refined classifications are encouraged or required by state law.

Here I turn to the validity of economic analyses of refined classification for the personal lines of insurance generally purchased by individuals: automobile, homeowner's, renter's, health, life, and disability insurance. My conclusions differ from much of what has appeared recently in writings on classification in law reviews and public policy journals.

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Insurance Law Commons



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