not paying bills makes you a bad driver

Notice of pendency of class action against defendant
Farmers insurance Co. of Oregon

To: ALL AUTOMOBILE AND PROPERTY PERSONAL LINES INSURANCE POLICYHOLDERS OF FARMERS INSURANCE COMPANY OF OREGON DURING THE PERIOD FEBRUARY 26, 2001 TO AUGUST 1, 2002, WHO PAID A RENEWAL PREMIUM THAT WAS INCREASED OVER PRIOR PERIODS PREMIUM WHEN SUCH INCREASE WAS BASED IN WHOLE OR IN PART ON INFORMATION CONTAINED IN A CONSUMER REPORT (EXCLUDING ANY CURRENT OFFICERS, DIRECTOR OR EMPLOYEE OF FARMERS GROUP, INC. OR ITS AFFILIATES AND SUBSIDIES OR FORMER OFFICER, DIRECTOR OR EMPLOYEE OR THEIR AFFILIATES AND SUBSIDIES WHO SERVED DURING THE CLASS PERIOD, OR ANY JUDGE OF THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF OREGON (THE "CLASS").

This is the beginning of a class-action suit letter that I got over the weekend.
When I read what this letter was about, I was jumping up and down with joy to see that somebody is finally taking on the insurance company on adjusting your insurance rate based on your credit score.

several years ago, when they started doing this, I inquired with my insurance company on the reason for this. They responded, "statistically speaking drivers who pay their bills on time are better drivers."

I fail to see how someone's budgetary habits have on their ability to drive.

(well honey, I have to learn how to drive more erratic now, I was late with the car payment.)

I hope that the plaintiffs win and set a precedent in this case because too many people have unauthorized access to your credit score.

Insurance companies are not the only people who can access your credit score without your permission. When you submit an employment application or when you go to the dentist, they access your credit information.

Especially nowadays with the increase in identity theft, I'm very glad to see this.