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What if insurer asks for the applicant's passport photo and then uses artificial or human intelligence to classify the applicant by race?

That's an interesting question. Of course, not everyone has a passport, but that's a nit: people applying for car insurance typically do have a driving licence with a photo. What would an AI make of a huge database of photos and insurance claims? I'd love it if someone would try the experiment! I doubt the AI would invent the concept of "race" (whatever that means), but it might decide that people with tattoos or piercings should pay more, for example.

If the insurers have everyone's photo, the AI can directly correlate the photos to accident rates and discriminate based on whatever mysterious aspect of the image appearance causes the correlation.

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