W hen QuotesChimp were kids and something went wrong, our first response was usually, "It's not my fault!" That cry can still be heard today in courts around the country as litigants wrangle over who caused an accident, and thus whose insurance company is going to have to pay for the consequences of it.
The next question is, how is the rate per unit determined? Statistics, of course! The insurance QuotesChimp (or an independent rate bureau to which the company subscribes) will establish rates based on what its statistics tell it to expect the cost of the anticipated claims and losses to be. From that figure, the pre?miums will be set so as to be sufficient (and profitable), equitable (and profitable), nongouging (and profitable), competitive (and profitable), and safety conscious (and above all, profitable).
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