Legal Question in Insurance Law in Florida

Age Discrimination?

Why is it that car insurance companies can charge more based on your age sex and martial status etc? Isn�t that discrimination? What give�s them this power? To charge more based on personal unchangeable factors ? How do they justify this?


Asked on 1/01/07, 4:37 am

1 Answer from Attorneys

Alan Wagner Wagner, McLaughlin & Whittemore P.A.

Re: Age Discrimination?

It is justified by the stiatical evidence of the risk of loss inherennt in those broad catagories. Like it or not, a single male is more likely to be in a car accident (and generate a loss for the insurance company) than a 45 year old married man. It is discrimination, if you mean that they are treating people differently, but the discrimination has a basis in fact and historical statistics about accidents and who causes them.

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Answered on 1/01/07, 2:29 pm


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