most numerous property/casualty pro...

most numerous property/casualty professionals are aware of the link between credit scores and insurance losse in personal lines. This correlation is driving most numerous personal lines carriers to use credit-based insurance scoring for underwriting and, in near cases, for rating personal lines accounts. The correlation, however, appears to be far more pronounced for homeowner insurance than for personal auto.

Using data from ChoicePoint, an Alpharetta, Ga.-based provider of identification and credential verification, consultant Richard Dorman said, "There is a 3-to-1 disparity in homeowner los ratios between individuals with the worst credit scores and those with the best. In auto, the