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You live in an area surrounded by idiotic drivers and greedy people when filing a claim. Chances are good that someone who lives in an area filled with idiotic drivers and greedy people will be an idiotic driver and greedy themselves (not that I'm implying anything here )
I'm an Actuarial Analyst for a Major Canadian Insurance Company. I analyse claims patterns to determine overall rate changes, as well as relative premium differences by various risk characteristics (eg. age, experience, claims, convictions, usage, etc.)
Unless it's private, please post insurance-related questions in the forum rather than sending me a PM.
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