Automotive

Allstate tried to cut off auto insurance sales to drivers in Brampton, lawsuit claims

  • Last Updated:
  • Dec 23rd, 2018 11:27 am
60 replies
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Jul 5, 2004
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I don't blame them, even though I understand it's not legal.

With nothing in writing (as per the article) she's going to have an awfully tough time proving any of this
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Oct 13, 2009
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Iqaluit, NU
Can’t blame them. Tons of people driving like they’re in the old country.

It’s like, hey douchebag, you’re not in the old country anymore.
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Jun 25, 2005
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Ottawa
"It was very clearly said, in so many words, that there is a lot of fraud that happens in Brampton. That there is a very high number of claims and a very high number of fraudulent claims," she said in an interview from her home in Rockwood, Ont., near Guelph.
My coworker's banker told him that mortgage fraud is rampant in Brampton. I can't blame companies for wanting to avoid the place.
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Feb 11, 2007
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Oakville
So insurance companies are forced to sell their product in all markets? So much for free market.
Still, if they wanted to reduce their risk in Brampton, why wouldn't they just jack up their rates there? It'll either cover the fraud or essentially stop sales in the area because they wouldn't be competitive.
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Nov 4, 2008
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Richmond Hill
13 years of working in the insurance industry and this is the first time discrimination has come up?
When given enough time, all threads on RFD can and will go off on a tangent.
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Sep 8, 2017
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GTA
When did she get terminated? Is $600k in damages reasonable? Salary? Lost benefits for her health problems?
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May 11, 2009
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Debtario
Sounds like sour grapes for being fired, then again we're all "brand ambassadors" these days so if you march out of goosestep with your employer the consequences can be unfortunate.

"However, increases and decreases to insurance premiums are regulated by the Financial Services Commission of Ontario (FISCO) — a company cannot unilaterally change rates" LOL, fell out of my chair when I read that. If that's the case, it's they can't change the rates without permission, but when they want to change rates they'll always receive permission.
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Mar 22, 2004
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RFD
Brampton in the news for the wrong reasons is par for the course.
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Nov 15, 2004
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Toronto
Shaner wrote:
Dec 15th, 2018 10:56 pm
I don't blame them, even though I understand it's not legal.

With nothing in writing (as per the article) she's going to have an awfully tough time proving any of this
Is it actually not legal? Managing risk is an insurance company's entire reason for existing. This just seems like a prudent measure from the company. This ex-employee just seems bitter and is screaming racism like Brampton is the only place in the GTA where minorities live.

I'm a brown guy and I wouldn't sell insurance to anyone in Brampton either. Lots of other brown people live all over the GTA, but the rest of them know how to **** drive and aren't as fond of insurance scams as those who live in Brampton.
Could HAVE, not could OF. What does 'could of' even mean?
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May 1, 2012
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Markham
Piro21 wrote:
Dec 16th, 2018 1:58 pm
Is it actually not legal? Managing risk is an insurance company's entire reason for existing. This just seems like a prudent measure from the company. This ex-employee just seems bitter and is screaming racism like Brampton is the only place in the GTA where minorities live.

I'm a brown guy and I wouldn't sell insurance to anyone in Brampton either. Lots of other brown people live all over the GTA, but the rest of them know how to **** drive and aren't as fond of insurance scams as those who live in Brampton.
We’re all paying for Brampton insurance scammers. All of us, regardless of where we live in Ontario. My wife works for State Farm, she tells me that she sheds a tear for anyone moving to Brampton. The common saying is that yah, you’re saving a buck on housing... but you’re paying it all back as a HUGE insurance hike.

There needs to be better laws against insurance scams. Would put a good amount of “professionals” out of work in Brampton. And as a bonus, help the rest of us out with some better insurance rates.
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May 1, 2012
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Markham
engineered wrote:
Dec 15th, 2018 11:47 pm
So insurance companies are forced to sell their product in all markets? So much for free market.
Still, if they wanted to reduce their risk in Brampton, why wouldn't they just jack up their rates there? It'll either cover the fraud or essentially stop sales in the area because they wouldn't be competitive.
Trust me they do. Moving from Markham to Brampton, expect >2x the premium even without convictions or accidents. And insurance in Markham ain’t even cheap to begin with. But hey, it’s a cheap detached house in Brampton, so there’s that.
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Dec 16, 2015
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engineered wrote:
Dec 15th, 2018 11:47 pm
So insurance companies are forced to sell their product in all markets? So much for free market.
Still, if they wanted to reduce their risk in Brampton, why wouldn't they just jack up their rates there? It'll either cover the fraud or essentially stop sales in the area because they wouldn't be competitive.
then they would be sued for price discrimination targeting specific groups..

You know if insurance company deemed your group as risky, they for sure hell have a lot of statistical confidence evidence. After all, thats what the actuaries do all day.

If she in the news is just a claim analyst then she wouldnt really understand this.
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Dec 16, 2015
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engineered wrote:
Dec 15th, 2018 11:47 pm
So insurance companies are forced to sell their product in all markets? So much for free market.
Still, if they wanted to reduce their risk in Brampton, why wouldn't they just jack up their rates there? It'll either cover the fraud or essentially stop sales in the area because they wouldn't be competitive.
then they would be sued for price discrimination targeting specific groups..

You know if insurance company deemed your group as risky, they for sure hell have a lot of statistical confidence evidence. After all, thats what the actuaries do all day with their complex risk models, etc.

If she in the news is just a claim analyst then she wouldnt really understand this.
Newbie
Mar 30, 2011
56 posts
30 upvotes
No surprise, Brampton is the worst for driving.

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