Plan would punish good drivers

Insurance companies set their premiums to reflect how likely people are to make claims, either as a result of collisions or for other reasons. If, say, people with better credit scores are likely to file fewer claims, they’re charged lower premiums.

Paul Muschick wants to stop insurance companies from using credit scores and other similar information to set premiums. The result will be that people who make fewer claims will be forced to pay higher premiums than their likely claims history would indicate.

In other words, good drivers will be forced to subsidize crappy drivers — in the name of social justice. Maybe that’s a good idea, but Muschick ought to be upfront about the consequences of what he’s proposing.

Anthony O’Brien Bethlehem Township