Certain kinds of insurance, e.g., staff’ compensation and personal vehicle liability, are subject to statutory requirements that injured parties have direct entry to protection. In July 2007, the US Federal Trade Commission launched a report presenting the results of a study regarding credit-based insurance scores in vehicle insurance. The research found that these scores are effective predictors of danger. It additionally confirmed that African-Americans and Hispanics are considerably overrepresented within the lowest credit scores, and substantially underrepresented in the highest, whereas Caucasians and Asians are more evenly spread across the scores.
