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Considering drivers are legally required to have insurance, the insurers should at minimum be legally required to provide a readable itemized explanation for their cost decision. I.e. this accident was factored in this much, your email domain was factored in this much, your race was factored in this much, etc. In other words, they should be required to explain the full details of whatever model they are using.

Also potentially the actual variables allowed in this computation should be white-listed by regulators. I.e. you can't use email domains because they were never allowed in the first place.

All of this could be considered "anti-innovation" or whatever, but I see it as the minimal consumer protection that should be provided for a service that drivers may *not skip.

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