►
Description
Docket #0222 - Hearing regarding automobile insurance rates in Boston
A
A
A
A
A
A
Low-Income
families
or
residents
of
color
that
is
unfair
and
having
a
car,
can
be
very
important
for
residents
who
need
to
travel
for
work,
especially
if
they
live
in
a
neighborhood,
with
a
lack
of
public
transportation
options
which
are
often
in
areas
with
the
concentration
of
low-income
families
and
communities
of
color
as
well.
So
I'm
glad
we're
having
this
hearing
today
to
discuss
this
issue.
I
want
to
say
thank
you
to
to
glenn
and
to
paul
and
to
attorney
general
maura
healey
this.
A
This
hearing
in
this
issue
impacts
so
many
residents
across
our
city
in
the
in
with
the
pandemic
still
raging
on
it's
impacting
so
many
so
many
lives.
So
it's
important
to
have
this
conversation,
and
I
just
wanted
to
highlight
one
one
issue
I
I'll
just
be
very
brief.
I
always
wondered-
maybe
maybe
the
attorney
general
if
he
has
an
opportunity
to
weigh
in
with
with
car
insurance.
A
If
you
look
at
a
location
like
the
south
bay
mall,
which
is
literally
in
the
middle
of
south
boston,
dorchester
and
roxbury,
and
if
there
is
a
car
break
in
there,
you
know
who
wh.
Why
would
the
rates
be
higher
for
roxbury
or
south
boston
or
or
deutsches?
Just
because
of
this
location
is?
Is
there,
but
also
the
other
issue?
A
I
always
wondered
about,
is
if
you're
on
the
highway
system
say
you're
in
93
and
you're,
passing
through
dorchester
when
you
get
into
a
automobile
accident
or
fender
bender
or
right
near
chinatown,
off
the
off
the
mass
pike,
with
the
rates
for
the
residents
of
chinatown
or
dorchester
go
up
just
because
you
know
you
had
an
accident
driving
through
that
community.
You
might
live
somewhere
else,
but
I
was,
I
often
wondered
if
it
would
be
impacted
if
the
rates
would
be
impacted
and
absorbed
by
the
the
neighborhood,
where
the
with
the
crash
happened.
A
B
Always
so
I'm
gonna
now
ask
my
colleague
counselor
arroyo
from
district
five
to
share
some
opening
remarks.
You
now
have
the
floor.
C
Thank
you,
madam
chair,
so
I
want
to
thank
the
maker,
andrea
campbell
for
this
hearing.
This
is
something
when
I
was
in
high
school.
I'd
noticed
for
the
first
time,
because
I
I
had
a
vehicle
shortly
after
high
school,
and
I
remember
just
how
different
my
auto
insurance
was
to
similarly
situated
friends
in
different
neighborhoods
and
how
much
more
I
was
paying
than
those
individuals
for,
in
some
cases,
less
insurance.
C
As
we
talk
about
right
now.
The
reality
is
that
communities
of
color
and
low-income
communities
are
paying
more
for
their
insurance
than
others.
Usually
they
have
less
to
dedicate
to
these
kinds
of
issues,
and
when
I
was
a
public
defender,
one
of
the
major
issues
that
we
had
for
folks
was
driving
uninsured
because
they
could
not
afford
insurance,
but
they
still
had
to
get
to
work.
They
still
had
to
get
their
kids
to
daycare.
They
still
had
to
get
their
kids
to
school.
C
They
still
had
to
live
a
life
and
then
the
effect
of
that
was
because
we
made
insurance
so
unaffordable
for
them
and
their
communities.
We
were
now
creating
new
pathways
to
criminalization
new
pathways
to
criminalizing
poverty,
and
so
this
issue
has
far-reaching
consequences
beyond
just
saving
a
couple
dollars.
C
It
does
have
the
reality
of
causing
folks
to
put
themselves
in
positions
that
otherwise
they
would
not
have
had
to
put
themselves
in,
had
the
cost
not
been
excessive,
and
so
I
look
forward
to
hearing
what
solutions
we
might
get
to
this
as
well
as
some
of
the
causes
the
root
causes
we
might
be
able
to
attack
in
in
changing
this
reality.
For
so
many.
So
thank
you
to
those
who
are
here
today
to
discuss
that
and
thank
you
to
the
maker
for
bringing
this
important
issue
to
the
forefront.
B
Thank
you.
Counselor
arroyo
really
do
echo
your
comments
in
regards
to
the
financial
hardship
that
continues
to
impact
families,
particularly
who
are
already
struggling
to
get
out
of
poverty.
I
can
speak
from
my
own
lived
experience.
B
You
know,
having
my
license
at
the
age
of,
I
think,
was
16
zooming
around
the
city
of
boston
and
trying
to
juggle
having
two
jobs
just
so
that
I
can
maintain
this
car
was
kind
of
crazy,
but
I
needed
to
do
that
because
I
had
to
work,
and
I
think
that,
if
we're
really
serious
about
removing
barriers
for
families
and
for
people
to
get
out
of
poverty,
I
think
that
every
little
bit
that
we
can
do
as
a
city
and
and
as
a
fiscal
spon
be
more
mindful.
B
I
wouldn't
say
micromanage,
but
I
think
that
counselor
campbell's
idea
of
really
examining
how
how
we're
being
targeted
in
many
ways
is,
is
a
a
great
pathway
to
trying
to
figure
out
how
we
can
undo
the
harm,
and
I
know
that
a
lot
of
folks
out
here
would
really
appreciate
your
your
dual
diligence
and
making
sure
that
that
we
do
everything
possible,
and
I
just
want
to
thank
counselor
campbell
for
always
uplifting
the
issues
that
are
impacting
our
most
vulnerable
communities.
B
And
this
is
what
it
looks
like
when
we
step
into
our
power
and
lead
in
ways
that
are
going
to
move
our
people
forward.
So
thank
you
councillor
campbell
for
for
doing
this.
I
would
like
to
just
switch
things
up
a
little
bit.
I
know
that
we
have
our
panelists
and
I
know
you're
eager
to
speak
and
you've
been
and
you've
been
invited
to
do
so.
B
But
if
anyone
knows
me
knows
that,
I'm
all
about
the
people
first,
so
I'm
going
to.
If
you
don't
mind,
I'm
going
to
lead
with
public
testimony,
because
I
think
that
it
would
be
really
important
for
all
of
us
to
hear
how
this
is
impacting
those
who
are
living
the
realities,
and
I
also
would
like
to
give
our
panelists
an
opportunity
to
ask
questions
those
who
are
here
for
public
testimony.
B
This
is
a
conversation
and
I
think
that,
if
we're
really
serious
about
creating
space
for
people
to
be
heard,
then
we
need
to
change
the
way
we
do
business.
And
so
I'm
gonna
ask
those
two
folks
that
have
signed
up
for
public
testimony
to
not
only
share
their
stories
but
to
really
seize
this
moment
to
ask
their
own
questions
to
our
panelists
and
to
the
council.
So,
okay,
we're
ready.
B
I
don't
know
what
they're
gonna
say,
but
I'm
inviting
you
all
to
speak
your
truth
y'all,
so
I'm
gonna
go
first
to
I
believe
we
have
leon
rivera.
B
If
you
are
here
and
if
you
are
camera
ready,
I
would
love
to
give
you
the
opportunity
to
have
the
floor,
or
I
I
see
that
andrew
okay,
so
you're
ready
to
go
so
john
rivera.
You
now
have
the
floor.
D
D
I
believe-
and
I
remember
having
to
have
my
mom
help
me
with
insurance,
because
it
was
just
so
high-
and
I
remember
speaking
to
the
agent
and
the
agent
reminding
me
that
the
rates
were
higher
because
of
the
zip
code
that
I
was
using
the
zip
code
that
I
was
living
in.
So
I'm
hoping
I'm
wondering
what
it
will
take
for
the
council
to
to
work
with.
D
You
know
state
officials,
I'm
seeing
other
states
that
are
you
know,
working
together
with
their
local
officials,
like
in
california,
they're
doing
things
together
to
you
know,
to
ease
the
burden.
So
I'm
wondering
what
you
know:
I'll
join
the
conversation
just
to
hear
and
see
what
you
guys
can
come
up
with
and
work
together
as
a
console
and
also
bringing
in
state
reps,
I'm
hoping
state
senators
as
well
just
to
be
able
to
come
up
with
solutions
looking
at
other
states
and
seeing
what
they're
working
with.
D
But
I
would
like
to
know
what
it
will
take
for
that
to
happen,
because
it
doesn't
only
impact
me,
but
I
know
plenty
of
friends.
Like
ricardo
have
said,
you
know
they
live
in
different
areas
of
the
city
and
their
rates
are
much
lower
and
it's
unfair,
I
believe,
for
families,
especially
when
we're
struggling
now,
even
more
with
the
whole
pandemic.
But
even
before
you
know,
folks,
I
believe
shouldn't
have
to
try
to
figure
out
if
they're
paying
for
insurance
or,
if
they're
paying
you
know
their
phone
bill
late
or
they're,
paying
their
electricity.
D
It's
a
real
struggle.
So
I'm
hoping
to
hear
that
some
solutions
come
up
from
this
conversation.
B
Thank
you.
Thank
you,
mr
rivera
I'm
gonna.
Then
next
go
to
andrew
fisher
and
then
after
andrew
fisher,
I'm
going
to
ask
our
panelists
and
then
we're
going
to
have
a
dialogue.
Is
that
okay,
counselor
campbell,
okay,
great.
F
My
goodness,
my
name
is
andrew
fisher.
I
actually
live
in
arlington,
but
I've
studied
the
way
insurance
works
and
come
up
with
what
I
kind
of
think.
No
one
thinks
about,
and
I
know
I
have
two
minutes
so
the
quickest
way
to
say
this
is:
I
would
urge
everybody
to
go
on.
The
website
of
the
insurance
corporation
of
british
columbia
has
about
3.6
million.
F
Automobiles.
Is
the
only
provider
of
auto
insurance
for
basic,
auto
insurance
liability
in
british
columbia.
Single-Payer
now,
they're
allowed
other
companies
are
allowed
to
buy
collision,
but
it
appears
from
my
research
that
everybody
buys
it
from
the
icbc
insurance
corporation
of
british
columbia
and
it's
so
proud.
It
was
so
profitable
that
around
2010,
the
liberals
came
into
power
and
made
it
for
profit
and
they
used
their
profits
to
pay
1.6
billion
dollars
to
the
province
over
six
years.
F
So,
okay,
that
said,
if
you
look
at
the
way
insurance
has
evolved,
it's
not
a
planned
affair.
It.
It
has
the
tendency
to
just
fragment
the
community
and
it
removes
the
experience
of
mutual
aid
from
the
text
of
the
community
conversation.
F
Mutual
aid
can
be
the
glue
that
binds
a
community
together.
It
informs
people
of
lost
experience
and
it
motivates
people
to
do
better.
Texting
would
stop
if
people
were
aware
of
how
badly
it
was
hurting
their
community.
F
F
They
both
gather
as
many
people,
together
as
they
can
and
get
people
to
contribute
a
small
amount
of
money
to
pay
for
losses.
Insurance
calls
high-risk,
behavior,
high-risk,
behavior
religious
group
calls
it
a
sin.
Whatever
the
disadvantage
for
religious
groups
is
their
reason
to
be
their
function,
as
providers
of
mutual
aid
has
been
removed
by
the
process
of
insurance.
Only
where
insurance
is
easy
to
do
so.
The
the
last
comment
is
one
way
to
look
at
insurance
is,
and
this
has
just
evolved.
It
hasn't
been
done
on
purpose.
F
F
So
a
lot
of
money
and
information
is
taken
out
of
the
the
community
and
gone
to
30
or
40
different
companies.
We've
lost
even
the
ability
to
to
to
discuss
it
intelligently.
F
F
The
treasurer's
office
puts
a
excise
tax
on
each
one
of
them
about
600
cars
in
each
precinct
and
according
to
averages
everyone
all
the
reports.
I
can
find
insurance
information
institute.
They
cost
over
a
thousand
dollars
to
ensure
that
means
30
million
dollars.
F
So
I'm
trying
to
start
this
conversation
and
I
don't
want
to
cloud
a
prattle
on
I'd
love
it.
If
people
contact
me-
and
I
I
think
I
have
something
to
contribute
and
get
get
a
conversation
started.
B
Thank
you.
Thank
you
andrew
appreciate
you
being
here
and
don't
go
anywhere
because
we'll
we'll
plug
you
right
back
in
and
we're
going
to
move
on
to
our
two
panel
lists.
F
B
Thank
you
all
right,
so
thank
you.
So
much
for
our
public
testimony
make
sure
that
you
stay
tuned.
B
B
Myself,
I
talk
too
much.
I
guess
I'm
just
gonna
shut
myself
down
here.
Okay,
so
thank
you
so
much
to
our
those
who
provided
public
testimony.
Please
stay
tuned
because
we're
going
to
have
our
colleagues
ask
questions
so
please
don't
go
anywhere!
I'm
going
to
now
turn
the
floor
over
to
our
expected
speakers.
For
today
we're
going
to
start
off
with
glenn
kaplan
for
opening
for
his
remarks
and
then
you
now
have
the
floor.
G
Good
morning,
thank
you,
chairman
and
members
of
the
committee
on
small
business
and
workforce
development
for
the
opportunity
to
testify
at
this
hearing
in
the
city
of
boston
and
thank
you
councillor
campbell
for
inviting
us
to
participate.
G
It's
illegal
to
rate
for
insurance,
on
race
and
on
income
in
massachusetts,
and
yet,
when
we
look
and
see
what's
happening,
there's
a
big
impact
that
appears
to
be
tied
to
race
and
income
in
terms
of
what
people
pay
for
insurance.
G
G
We
may
be
diverted
off
into
a
discussion
of
whether
or
not
the
rate
is
actually
accurate
and
cost-based,
and
I
think
there
are
issues
to
talk
about
with
that,
but
I
think
it's
important
not
to
lose
account
of
the
bigger
issue
of
if
we're
not
supposed
to
be
rating
based
on
race
and
on
income.
Why
is
it
then
that
there's
such
a
big
effect
that
seems
to
be
tied
to
race
and
income
so
that,
having
been
said?
G
Let
me
move
forward
as
as
was
mentioned,
my
name
is
glenn
kaplan
and
I'm
the
chief
of
the
insurance
and
financial
services,
division
of
the
attorney
general's
office,
and
I'm
here
today
on
behalf
of
attorney
general
maura
healey,
to
provide
you
with
some
information
regarding
the
effects
of
the
current
auto
insurance
rating
policies
on
communities
of
color
and
low-income
communities
across
massachusetts,
and
then
to
make
some
quick
suggestions
about
what
we
might
do
to
fix
the
problem.
Now
our
office
has
been
studying,
auto
insurance
premium
disparities.
G
For
some
time
we
performed
a
review
of
insurance
rating
practices
and
the
premiums
that
drivers
are
are
paying
that
took
a
look
at
where
they
live
and
their
driving
records
and
their
driving
history
we've
been
advocating
to
state
legislature.
We
sent
a
letter
to
the
committee
on
financial
services
and
we've
provided
that
for
for
your
review.
G
What
we
found
in
these
in
these
studies
and
reviews
is
that
the
current
automobile
insurance
rating
practices
have
a
significant
impact
on
black
brown
and
low-income
communities
that
match
the
automobile
liability
coverage
in
these
communities
costs
more
on
average
than
in
wealthier
and
wider
communities.
G
In
the
most
heavily
concentrated
communities
of
color
and
low-income
communities,
drivers
pay
nearly
twice
as
much
for
significantly
less
coverage
than
drivers
with
comparable
driving
records
in
the
widest
and
most
affluent
parts
of
the
state.
This
presents
a
serious
economic
hardship
for
many
massachusetts
drivers
and
families
that
rely
on
cars
to
get
to
school
and
work.
G
Let
me
give
you
some
more
additional
information
that
can
help
better
explain
the
impacts
that
we're
seeing.
So
we
did
an
analysis
and
found
that
drivers
who
were
living
in
communities
with
the
greatest
concentration
of
non-white
residents
paid
substantially
more
for
liability
coverage
than
the
drivers
living
in
communities
with
the
lowest
concentration
of
non-white
residents.
In
the
most
highly
concentrated
non-white
communities,
the
average
premium
for
drivers
was
90
more
per
vehicle.
G
That's
about
500
bucks
roughly
for
experienced
drivers
that
be
drivers
that
have
you
know
six
years
of
experience
compared
across
the
same
communities,
the
disparity
was
95
and
even
with
experienced
drivers
that
had
excellent
driving
records,
meaning
they
had
no
violations,
and
you
know
no,
you
know,
accidents
that
you
know
were
in
any
way
their
fault
on
their
record
for
at
least
the
last
six
years.
It
was
still
a
difference
at
80
percent
per
view.
G
Now
these
disparities
actually
understate
the
real
difference
in
terms
of
what
people
are
getting
for,
what
they
pay,
because
the
drivers
in
the
most
highly
concentrated
non-white
communities
generally
get
far
less
liability
coverage
on
average
than
the
drivers
in
the
whitest
communities
when
they
buy
insurance,
but
the
overpayments
that
I've
mentioned
really
mean
that
those
drivers
are
paying
more
and
getting
significantly
less
coverage.
G
Now,
when
we
analyzed
communities
based
on
income,
we
found
a
similar
problem.
The
drivers
living
in
the
lowest
income
communities
paid
an
average
liability
premium
that
was
about
70
percent
about
340
dollars
more
per
vehicle
than
the
drivers
living
in
the
highest
income
areas
again
for
experienced
drivers,
the
just
the
disparity
was
about
75
and
for
experienced
drivers
who
had
excellent
driving
records.
It
was
still
more
than
60
review
and,
as
was
true
when
we
analyzed
communities
by
race.
G
The
disparities
here
understate
the
actual
difference
because
of
this
issue
about
how
much
coverage
people
are
actually
getting
when
they,
when
they
get
their
insurance
and
also
being
an
excellent
driver
in
the
low-income
communities,
does
not
help
you
to
avoid
this
problem
in
the
lowest
income
communities
experienced
drivers
with
excellent
driving
records
still
pay
higher
average
liability
premiums
than
their
counterparts
in
affluent
communities
who
have
poor
driving
records
again.
This
is
true,
even
though
in
the
wealthier,
wealthier
community
drivers
have
significantly
more
insurance.
G
G
So
looking
at
boston,
specifically,
our
review
pointed
out
two
boston.
Neighborhoods
roxbury
and
dorchester
the
top
the
list
for
the
state's
highest
disparities
in
roxbury,
experienced
drivers
on
average
pay
twice,
the
state
average
for
auto
insurance
and
in
dorchester
those
drivers
are
paying
almost
twice
they
pay
about
188
percent
based
on
our
quality.
Other
parts
of
boston,
though,
also
have
have
difficulties:
east
boston,
hyde,
park,
jamaica,
plain
roslindale.
They
all
also
have
high
disparate
charges.
All
of
those
communities
I
mentioned
are
over
140.
G
These
disparities
have
gotten
worse
and
we
believe
this
is
in
part,
attributable
to
the
increased
use
of
rating
factors
that
appear
to
be
close
proxies
for
things
that
are
unlawful
to
rate
on
such
as
income
or
home
ownership,
even
if
the
current
rating
system
is
accurately
considering
the
risks
this
gets
to
that
cost-based
rating.
That
I
was,
I
was
talking
about
important
public
policy.
Questions
remain
as
to
the
fairness
of
the
system
that
results
in
large
racial
and
economic
premium
disparities.
G
Now,
while
the
focus
of
this
hearing
is
on
boston,
there
are
prob.
These
are
problems
really
that
are
statewide
and
which
deserve
a
statewide
response.
We
need
to
take
action
and
address
this
problem.
A
study,
including
a
close
review
of
recent
data,
can
help
us
refine
our
options,
but
one
possibility
we
should
strongly
consider
is
the
adoption
of
a
statewide
california
style
system
which
bases
insurance
premiums,
primarily
on
three
factors,
driving
record
miles,
driven
and
years
of
driving
experience.
B
Thank
you
so
much
glenn,
I
am
even
more
upset
now
than
I
was
when
I
first
started
this
hearing.
This
is
crazy
and
I
am
so
incredibly
grateful
to
counselor
campbell
for
calling
this
hearing.
I
I
think
that
those
who
follow
along
and
are
learning
about
this
because
often
times
we
don't
know
what
we
don't
know,
and
I
think
that
we
should
all
be
outraged
that
this
is
happening
in
our
community.
So
thank
you
so
much
again,
council
campbell
for
bringing
it
to
the
forefront.
B
I
also
have
been
no
notified
that
president
council
jamie
has
also
joined
us
and
I
would
love
to
open
up
the
floor
for
some
welcoming
remarks.
Counselor
jamie
you
now
present
counselor
jaina.
You
not
have
the
floor.
H
Thank
you
so
much.
Thank
you.
Many
thanks
to
the
panel
and
certainly
to
the
maker
councillor
campbell.
This
is
a
very
important
hearing
order,
important
discussion,
as
you
heard
once
again,
no
matter
where
we
look.
If
we're
looking
at
healthcare
housing,
education,
wherever
we
look
jobs,
income
wealth,
we
see
huge
disparities.
H
So
here
we
are
with
auto
rates
things
that
we
have
known
for
generations
for
decades
and
and
it's
unfortunate
that
we
still
in
2020,
live
in
a
time
where
this
can
happen,
but
I'm
so
grateful
for
the
conversation
that
will
move
this
forward.
Hearing
that
roxbury
pays
twice.
The
state
average
is
just
ridiculous
and
it's
quite
frankly
downright
racist,
and
I
think
once
when
we
are
bold
enough
to
name
it,
then
we
can
address
it.
Unless
we
are
going
to
name
it,
we
cannot
address
it.
H
So
again,
I'm
really
grateful
it's
it's
great
to
have
the
ag's
office
here.
Thank
you
for
being
here
and
I
I
look
forward
to
what
actions
we
will
take
in
the
in
the
coming
year
to
to
address
this.
So
thank
you
again
and
thank
you,
madam
chair.
B
Thank
you.
Thank
you,
president
council.
Jamie.
I'm
also
curious
and
I'm
gonna
go
next
to
paul.
I
would
love
to
open
up
the
floor
for
your
remarks
and
then
I'd
love
to
spend
some
time
with
some
questions
from
my
colleagues.
I
Good
morning,
thank
you,
madam
chairman,
members
of
the
council,
my
pleasure
to
to
be
here.
My
name
is
paul
teitrow,
the
executive
director
with
the
insurance
library
of
boston
and
I'd
like
to
spend
just
a
couple
of
minutes
explaining
what
the
library
is
and
what's
what
it's
about.
If
that's,
okay,
I'm
trying
to
share
my
screen.
I
Yeah,
so
the
the
insurance
library,
it's
it's
right
around
the
corner
from
the
from
the
boston
city
hall,
it's
on
156
state
street
and
it's
we've
been
in
existence
1887.,
it's
a
unique
institution
where
a
chapter
501c3
charitable
nonprofit
and
we're
open
to
the
public,
where
we
have
a
public
mission
similar
to
a
public
library
and
we're
there
as
an
information
resource.
I
So
I'm
glad
to
be
able
to
introduce
you,
the
library
in
this
context,
because
you
know
we
may
be
able
to
be
helpful
for
the
subject
of
the
hearing.
These
are
our
mission
and
vision
statements.
I
won't
go
through
them
within
any
detail,
but
just
you
know
we
serve
a
a
broad
community.
Frankly,
anybody
with
an
interest
in
insurance
issues
is
part
of
the
community
that
we
serve.
I
That
includes
the
public,
consumers,
scholars
and
whatnot,
as
well
as
those
working
in
the
insurance
industry,
we're
the
only
independent
library
in
the
nation
focused
on
risk
management
insurance.
I
think
it's
worth
noting
for
the
council
because
we're
you
know
a
gem.
You
know
nationwide,
for
for
for
the
city,
there's
no
insurance,
library
of
chicago
or
l.a
or
anyplace
else.
We're
the
only
kind
of
library
in
existence
that
serves
the
the
public
in
the
way
we
do.
I
We
house
the
the
history
of
the
of
the
insurance
industry
and
and
we
conduct
research
services.
We
offer
professional
education
and
also
networking
events.
I
want
to
spend
too
much
time.
This
is
sort
of
my
regular
overview,
but
I
know
this
is
a
you
know,
a
hearing
with
a
specific
set
of
objectives
or
whatnot.
I
do
want
to
reference
our
our
staff,
though
these
are
the
folks
that
would
help
with
any
information
inquiries
that
the
council
or
members
of
the
public
might
have.
I
Regarding
the
subject
of
the
hearing
today
with
two
librarians
who
have
their
master's
in
library,
science,
degrees,
I've
been
with
the
library
for
for
decades,
so
they
have
a
lot
to
offer
as
far
as
understanding
insurance
issues
from
a
historical
perspective,
how
to
find
the
information
that
you're.
Looking
for.
I
As
I
mentioned,
we
offer
professional
education,
everything
from
licensing
to
high
level
professional
designations
to
individuals
in
the
insurance
industry.
We
hold
networking
events
in
the
library
when
it
was
it
wasn't
a
pandemic.
We
have
a
large
insurance
professional
of
the
year
award
every
year.
Now
we've
taken
our
events
virtually
as
everybody
has,
we
could,
but
we're
always
interested
in
the
exchange
of
information,
learning,
learning
about
new
things,
learning
about
important
public
policy
issues
like
discussing
today.
I
I
I
can't
do
that,
but
again
we're
right
down
the
street
we're
right
across
from
the
custom
house
tower,
so
we're
kind
of
a
nondescript
quiet
building,
but
we
welcome
visitors
when,
when
that,
when
the
time
is
right,
so
just
specifically
to
the
to
the
subject.
Today's
hearing,
you
know
we
just
have
a
a
wealth
of
materials
about
auto
insurance
rating
issues.
I
We
have
many
books
materials
about
the
history
of
auto
insurance,
where
the
library's
been
in
existence
since
beginning
since,
before
auto
insurance
existed
before
autos
were
common,
so
we
actually
have
books
that
were
written
in
the
30s
talking
about
even
just
the
need
to
create
a
you
know,
sort
of
a
state
by
state,
but
nationwide
insurance
liability
framework.
We
have
a
plethora
of
legislative
and
regulatory
sources,
a
lot
of
massachusetts,
specific
reports
and
analysis.
This
is
auto.
I
Insurance
has
been
a
you
know,
a
point
of
interest
for
public
policy
makers
in
massachusetts
for
for
decades,
so
there's
a
lot
of
materials
we
have
in
that
regard.
That
might
help
the
the
council.
You
know
obtain
information
quickly
and
see
what
other
you
know.
Inquiries
have
been
made
in
the
past,
and
then
we
have
information
about
other
states.
I
What
they've
done,
mr
kaplan,
you
know
it
mentioned
california,
that
the
their
law
there
is
called
proposition
103,
and
we
have
a
lot
of
information
about
that,
but
just
any
other
state
inquiries,
a
national
things
like
the
the
federal
insurance
office
in
washington
dc
and
the
national
association
of
insurance.
Commissioners
have
all
you
know
in
recent
years,
conducted
studies
and
analysis
of
affordability
issues
that
could
be
beneficial
to
the
to
the
to
this.
I
I
Chapter
93a
says
the
rates
can
may
not
be
excessive
or
inadequate
or
unfairly
discriminatory
and
in
the
regulation
211
cmr
79
again,
mr
kaplan
referred
to
the
the
prohibition
in
in
you
know
in
the
state
of
using
race
or
income
as
a
rating
factor,
and
that's
that's
that's
where
you'll
find
that
and
again
really
just
here
to
to
provide
the
the
offer
for
to
be
an
information
resource,
as
the
council
gets
into
this
issue.
Thank
you.
B
Thank
you,
so
much
paul
really
do
appreciate
the
presentation
I
am
now
going
to
open
up
for
questions
from
my
colleagues.
We
also
know
that
we
will
give
an
opportunity
for
more
public
testimony.
We
have
a
couple
of
people
in
the
waiting
room
who
we
don't
recognize.
So,
if
you're,
if
you're
interested
in
providing
testimony,
please
raise
your
blue
hand.
The
people
that
we
have
in
the
waiting
room
are
paul
williams,
giselle,
guerrero
and
ari
brands.
B
So
if
you
are
looking
for
public,
if
you're
looking
to
speak,
just
raise
your
blue
hands
and
we'll
let
you
in
when
that
time
becomes
go
back
to
the
script.
Okay,
I
think
I
went
off
script
here.
Sorry,
so
I'm
going
to
now
turn
it
over
to
my
colleagues
for
questions.
So
I'm
obviously
going
to
start
with
our
lead
sponsor
council
campbell.
You
now
have
the
floor.
E
Thank
you,
madam
chair,
and
thank
you
glenn
and
paul
for
your
testimony
and,
of
course
thank
you
to
the
folks
who
provided
public
testimony
as
well
and-
and
I
will
tell
you
that
we
had
folks
residents
reach
out
who
either
could
not
attend
because
of
the
timing
of
the
hearing
or
didn't
want
to
participate
publicly
but
said
emails
and
other
other
notes
to
the
chair
and
others
with
respect
to
their
concerns
around
these
disparities.
E
So
I'll
have
a
few
questions
and
then
I
will
keep
track
of
time.
To
be
fair.
To
my
my
colleagues,
one
is
around
oh
and
before
I
start,
I
also
want
to
thank
dominique
in
my
office,
who
is
interning,
who
put
in
a
lot
of
research
on
this
and
on
this
particular
issue.
So
I
want
to
thank
her.
I
did
not
in
my
opening,
so
I
want
to
thank
her
as
well,
but
the
first
is
around
data.
You
know,
I
think
glenn
you.
E
E
What
would
we
want
that
to
get
at
is
it
data?
Is
it
something
more
and
what
role
could
a
city
play?
You
know,
as
we
wait
on
the
state
to
do
some
of
this.
We
obviously
don't
want
to
wait
too
long.
So
that's
just
my
first
question
for
you.
G
Yes,
I
I
think
that
well,
let
me
first
just
address
the
address
the
data
piece,
so
what
we
did
to
come
up
with
with
the
conclusions
that
we
had
is
that
we
we
got
very
granular
data
on
auto
insurance
in
massachusetts.
We
did
that
by
going
to
the
merit
rating
board,
which
in
turn
got
it
from
this
entity
called
car,
which
is
it's
right,
it's
auto
insurance.
So
it's
an
interesting
acronym
for
car.
G
G
You
know,
and
at
a
very
granular
level
how
much
people
were
paying
and
certain
information
about
those
those
policy
risks,
and
we
could
then
overlay
that,
with
both
census
data
and
updated
census,
data
that
breaks
down
to
the
unity
and
the
smaller,
the
smaller
block
level
to
and
by
block,
I
don't
mean
like
city
block,
but
the
smaller
unit
level,
to
be
able
to
then
run
the
information
break
the
communities
out
by
their
their
demographics.
G
You
know
what
the
percentages
were
of
of
non-white
versus
white.
You
know
different
aspects
of
how
the
community
was
was
created
and
then,
in
addition
to
that,
the
issues
of
income
and
then
we
were
able
to
go
ahead
and
use
our
other
knowledge
by
breaking
down
the
premiums.
You
know
there
are
different
components
to
insurance.
You've
got
to
make
sure
to
look
at
the
right
things,
because
some
parts
of
insurance
are
actually
what
everybody
gets
because
they're
mandatory
others
are
not,
and
you
know,
there's
a
whole
other
part.
G
If
you
get
the
letter
that
we
attached
and
I
I
was
trying
to
be
mindful
of
the
time
that
we
have
some
of
these
issues
in
my
testimony,
but
in
detail,
but
there's
this
whole
issue.
G
Of
course
of
you
know
what
people
will
actually
buy
and
how
that
actually
impacts
things
as
well
and
there's
this
whole
interesting
thing
that
even
if
you're,
if
you're,
buying
sort
of
the
lower
levels
of
insurance,
just
the
basic
in
many
instances,
you're
gonna
pay
more
than
if
you
were
buying,
you
know
more
products
or
you
were
buying
higher
levels
of
insurance.
There's
another
whole
income
thing
there,
but
we
looked
at
all
this
information.
G
We
then
have
a
mathematician
as
well
as
an
outside
expert,
who
performed
some
statistical
analysis
on
this,
to
try
to
figure
out.
G
You
know
what
factors
were
tying
in,
so
that
we
could
be
sure
that
the
factors
of
the
whiteness
of
the
community
and
that
income
were
actually
relevant
and
we're
tracking
the
premiums,
and
we
believe
that
when
you
applied
statistical
methods
to
this
and
I'll
get
wonky
for
just
a
second,
the
the
the
the
the
p
factors
for
this,
the
r
squareds
that
show
how
closely
the
lines
fit
all
showed
that
there
was
a
serious
connection
between
the
fact
that
these
were
in
many
instances
the
overcharged
communities
were
communities
of
color
and
that
they
were
low-income
communities
that
other
factors.
G
While
they
may
influence
the
the
numbers
and
in
some
instances,
helped
to
further
streamline
and
and
fit
the
curve,
even
better
that
there
was
still
a
high
connection
to
them.
They
were.
They
were
very
correlative
that
that
troubled
us
in
terms
of
a
future
study
yeah.
I
think
what
we
would.
What
we
would
want
to
do
is
to
go
ahead
and
to
get
more
updated
data.
G
We
found
that
it's
harder
now
to
get
data
than
it
was,
and
so
to
the
extent
that
we
can
work
with
the
city
of
boston,
to
try
to
do
that,
we'd
be
happy
to
do
it.
I
think
advocacy
with
policymakers
and
with
the
legislature
is
also
a
big
help.
I
think
the
city
of
boston
had
the
big
voice
and
the
extent
that
you
showed
that
you
were
interested
in
these
issues.
G
I
think
that
would
be
very
helpful
and
and
we're
happy
to
continue
to
to
to
work
with
you
on
it.
One
other
thing
I
would
just
raise,
and
I'm
sorry
I
don't
mean
to
go
on,
but
I
think
it's
important
also
to
always
be
ready
for
this
issue
and
to
think
about
this
issue
of
well.
The
rates
that
we're
seeing
they're
just
based
on
losses
we're
just
doing
what
the
losses
tell
us
to
do,
and
the
data
to
some
extent
helps
us
to
analyze
that
and
poke
at
that.
G
But
it
also
helps
us
to
see
what
the
impact
is,
because
there
are
many
ways
to
do
insurance
rates
and
there
are
many
ways
to
sort
of
share
burden,
and
we
should
be
thinking
about
that.
In
addition
to
these
issues,
of
how
the
losses
stack
up,
because
there
are
lots
of
different
ways
to
get
to
the
same
result.
E
And
then
my
second
question
is
obviously
you
know
paul
you
referenced
chapter,
175e,
unfairly
discriminatory
practices,
but
you
know
the
data
seems
to
be
clear
to
us
at
least
based
on
what
we're
seeing
in
boston.
Maybe
this
is
a
question
for
both
both
of
you.
So
how
do
we
change
that
right
and
we?
How
do
we
get
away
from
using
certain
metrics
right
in
zip
code
and
others,
and
actually
using
what
california
is
using
right
now
in
the
city
of
boston
as
a
as
an
alternative
method
to
determine
these
rates?
E
B
And
I
just
wanted
to
before
you
answer
just
wanted
to
be
mindful
that
the
timer
did
go
off
for
five
minutes,
but
since
you
are
the
lead
sponsor,
I'm
gonna
allow
the
indulgence
of
the
extra
time,
but
I
would
love
to
just
make
sure
that
our
colleagues
who
are
also
waiting
have
an
opportunity.
So,
since
you
are
the
lead
sponsor-
and
you
brought
this
to
the
table-
I'm
going
to
let
you
live
a
little
bit
longer.
So
thank
you
for
those
questions
guys.
I
Well,
I'll,
just
video
since
the
reference
to
the
the
like
my
slide,
citation
yeah,
that's
that's
the
the
standard
that
the
the
division
of
insurance
would
apply
to
a
rate
filing
by
by
a
quiet
insurance
company.
So
to
look
at
whether
or
not
the
the
the
the
rate
factors
are
and
the
the
losses
that
are
predicted
are
justified
by
the
by
the
historical
data.
So
again,
just
as
mr
capital
was
referring
to,
it
is
it's
based
on
losses.
That
is.
I
That
is
how
it's
done
so
if
it
was
to
be
done
a
different
way
that
you
know,
that
probably
would
require
a
change
of
the
law
to
some
extent,
and
I.
E
Will
let
you
chime
in,
but
you
know,
I
think,
that's
the
push
right,
not
only
the
study
and
the
data
to
be
able
to
have
accurate
information
around
some
of
what
you're
talking
about
that
we
currently
don't
have,
but
then
the
second
is.
We
know
the
disparate
impact
it's
having
right.
So
of
course
we
want
to
push
for
different
factors
to
be
used
to
avoid
that.
So
I'm
just
curious
from
your
perspective
when
what
what
what
the
hurdles
are
with
respect
to
using
these
other
factors
and
our
insurance
companies.
G
G
That
say,
for
instance,
you
can't
discriminate
all
right
and
that
put
aside
the
unfairly
discriminate
you're
not
supposed
to
be
taking
into
account
sex
and
marriage
status
and
credit
score
and
age,
and
the
regulation
is
very
emphatic
which
has
the
force
of
law
that
you're
not
supposed
to
take
into
account
race,
creed,
national
origin,
religion,
there's
a
whole
list
of
them,
and
the
big
issue-
and
I
mentioned
this
in
my
testimony-
is
that
insurers
understand
they're
not
supposed
to
do
that.
G
But
there's
the
second
question
of
whether
they're
using
proxies
for
those
or
not
and
if
they
are,
and
if
some
of
the
factors
they're
using
are
proxies
for
those.
Then
we
should
be
addressing
that.
I
G
G
Well,
I
I
think,
if
by
state
law,
what
we're
talking
about
is
either
a
legislative
change
or
again
I
mean
as
a
quick
example,
let's
say:
you're
not
allowed
to
use
home
ownership
as
as
a
factor,
and
yet
insurance
companies
turn
around
and
say.
Well,
if
you
have
home
and
insurance
we'll
give
you
a
break
well,
who
has
home
insurance
that
doesn't
own
a
home
right?
Is
he?
G
Is
it
effectively
a
a
proxy
for
that
and,
if
they're
using
a
proxy-
and
it's
actually
violating
it,
maybe
there's
a
need
to
tighten
up
the
regulations
at
the
commissioner
of
insurance?
Maybe
there's
need
for
just
guidance
to
go
out
to
them
to
be
clear
that
they
can't
do
it.
It's
in
part,
digging
in
and
figuring
out
whether
there
are
other
justifications
for
using
these
things.
But
again
that
gets
to
the
data
and
the
study,
but
certainly
going
to
the
legislature
and
making
a
larger
change
is.
B
No
sorry
that
was
10
minutes
just
so
you
know.
So
I'm
going
to
move
on
to
counselor
flynn.
You
now
have
the
floor
and
then
followed
by
counselor
arroyo.
A
Thank
you,
council
mejia.
I
I
guess
my
question
is,
and
I
may
have
missed
it.
I
had
to
get
off
the
call
for
a
few
minutes,
so
I
I
apologize,
but
I
was
wondering
if
someone
could
explain
if,
if
you
are
driving
in
boston,
say
you're
going
a
main,
a
main
road
say
road,
so
you
go
up
columbia,
road
to
to
blue
hill
avenue.
A
Maybe
you
live
in
milton
or
dedham
or
or
in
the
suburbs
and
you're
going
up
columbia,
road,
bluehoo
avenue
and
you
haven't
or
you
have
an
accident.
Does
that
mean
the
people
living
in
matapan
where
that
accident
may
have
taken
place?
Does
that
mean
their
rates
might
go
up,
even
if
the
people
in
the
accident
weren't
from
that
area.
A
I
want
to
ask
if
you're
in
it,
if
you're
driving,
you
know
on
a
boston
road,
a
main
road
such
as
blue
hill
avenue
or
columbia
road
you
get
into
an
accident
and
you
live
in
dedham
and
you
live
in
milton
and
you're
cutting
for
the
city
to
get
home.
Does
that
mean
the
rates
go
up
for
the
people
and
the
impact
of
neighborhoods
such
as
matapan
or
dorchester
right.
G
Well,
I
I
think
that
take
taking
a
step
back
with
that.
The
big
picture
issue
I
think
you're
asking
about
is
you
know?
Where
does
this
data
generally
get
tagged?
And
the
answer
is
it's
usually
a
garaging
issue
like
if
you,
if
you
get
into
an
accident
and
let's
let's
say
that
you
know
if
you
get
into
an
accident
the
place
that's
going
to
get
tagged
with.
G
That
is
going
to
be
where
you
garage
your
car
now
the
thing
about
that,
though,
is
if
you're
in
your
example
you're
driving
through
that
neighborhood
you're,
getting
into
an
accident
with
somebody
you
may
be
in
an
accident
with
somebody
who
lives
in
that
neighborhood,
and
so
it
can
be
more
complicated.
But
if
we're
just
talking
about,
let's
say
like
a
through
fair
and
it's
all,
basically,
people
who
are
not
you
know
are
not
living
there
right.
Then.
G
G
They
be
given
some
accommodation
for
the
fact
that
they're
helping,
for
instance,
the
city
of
boston
with
its
its
economic,
you
know
its
economic
lifeblood
and
under
the
old
system,
before
deregulation,
there
was
a
system
of
capping
and
tempering
that
went
on
to
try
to
take
account
for
some
of
these
issues
and
that's
largely
all
been
deconstructed
because
of
the
way
the
system
works.
Now.
A
G
Counseling,
yes,
I
think
that
that
that
is
a
problem
and
I'll
I'll
add
on
to
that
problem.
What
about
sort
of
fraud
rings?
I
mean
there
are
instances
where
an
organized
group
of
people
will
set
up
some
place
and
they
will
be
committing
fraud
on
a
high
scale.
That
has
nothing
to
do
with
the
people
who
live
in
that
community,
but
they
just
happen
to
have
set
it
up
there
and
all
that
fraud
is
going
to
end
up
piled
on
to
the
statistics
for
that
community
now.
G
Is
it
fair
that
the
people
who
happen
to
live
there
all
right
and
are
not
involved
in
this
stuff
at
all?
All
right
are
going
to
have
their.
You
know,
statistics
and
their
rates
impacted
by
this,
or
is
this
something
that
we
should
be
more
broadly
accounting
for
so
that
so
yeah?
In
answer
to
your
to
your
question,
I
mean
the
fact
is
that
things
can
happen
because
of
things
that
are
outside
of
people's
control
and
right
now
you
know
it
can
have
a
significant
significant
impact.
A
B
Good
job,
you
see,
you
ended
right
in
five
minutes.
Okay,
so
we're
going
to
move
on
we're
going
to
move
on
to
counselor
arroyo.
You
now
have
the
floor.
C
Thank
you,
madam
sharon.
Thank
you
glenn,
a
lot
of
the
questions
that
I
have
have
actually
been
posed
by
counselor
campbell,
but
one
of
the
questions
I
have,
which
I
think
you
were
starting
to
get
into
a
little
bit
at
the
end
there
is
about.
C
You
know
the
role
that
the
ag's
office
may
be
able
to
play
in
this,
and
what
I
mean
by
that
is
when,
when
we
talk
about
discrimination,
whether
it
be
in
housing,
whether
it
be
in
insurance,
often
the
way
that
they
do
discriminate
discrimination
is
they
know
what
they're
not
allowed
to
ask
for
and
what
they're
not
allowed
to
use
and
they
use
proxies,
which
it
sounds
like.
We
have
a
sense
that
this
is
right.
C
Whenever
you
end
up
with
these
kinds
of
disparities,
specifically
in
these
communities
of
color
in
these
lower
income
communities,
something
about
the
way
that
they've
shifted,
their
data
allows
them
to
essentially
have
gotten
the
same
results
as
if
they
were
grading
by
race
or
income
right,
because
we're
seeing
the
disparity
in
those
communities.
The
way
we
are-
and
the
question
that
I
have
is
what
would
an
investigation
into
whether
or
not
these
companies
are
knowingly
using
those,
as
proxies
are
knowingly
aware
that
these
are
proxies
for
those
kinds
of
things?
C
What
kind
of
investigation
into
that
would
be
available
for
the
attorney
general's
office,
or
would
you
need
sort
of
a
smoking
gun,
and
how
would
you
receive
that?
If
so,
if
you're
not
allowed
to
investigate
whether
or
not
these
companies
internally
know
that
what
they're
using
is
creating
this
result.
G
Well,
I
think
there
are
a
couple
of
things
to
that.
The
first
one
is
that
one
of
the
things
that
we're
looking
for
and
the
reason
that
we
looked
at
this
in
the
first
place,
was
to
try
to
understand
better
what
was
what
was
happening
and
what
was
causing
the
problem,
and
we
are
concerned
about
about
the
proxies,
but
to
some
extent
also.
G
The
proxies
are
things
that
are
subject
to
these
regulations
that
are
put
in
place
by
the
commissioner
of
insurance,
which
is
why
I
mentioned
that
the
regulations
being
the
commissioner's
regulations,
one
thing
we
may
want
to
think
about
is
whether
they
need
tightened
up,
because,
from
our
perspective,
what
we
have
to
look
at
is
whether
the
existing
regulations
with
the
existing
statute
is
being
violated,
and
one
of
the
big
problems
that
we
run
into
under
the
current
system
is
reading
by
territory
is
actually
still
required
by
statute
in
massachusetts.
G
Now
how
much
of
a
weight
you
give
to?
It
is
a
whole
other
issue,
but
the
statute
itself
talks
about
how
there
needs
to
be
at
least
15
territories,
and
so
once
you
still
have
territory
in
there.
Even
though
we're
talking
about
how
these
proxies
add
to
the
problem-
and
I
pointed
out
some
of
them
because
to
some
extent
getting
that
changed
and
getting
that
tightened
up
may
be
a
way
to
get
it
some
of
it.
G
The
reason
I
mentioned
this
this
statutory
method
also,
is
that
once
we're
reading
by
territory,
what
may
happen
is
insurance
companies
may
say
well
wait
a
minute
once
we're
looking
at
territory
instead.
Look
at
these
losses.
That's
why
I
mentioned
the
losses
again,
I'm
going
to
say
if
the
losses
are
high
and
we're
looking
at
the
territory
right.
That's
a
justification
for
why
we're
able
to
do
this.
The
state
says
that
we're
supposed
to
do
it
by
territory.
The
losses
in
the
territory
are
high
and
because
the
losses
in
the
territory
are
high,
we're
okay.
G
Now
that
doesn't
mean
that
they
should
be
allowed
to
sort
of
exacerbate
the
problem
by
using
all
these
other
factors,
which
kind
of
pop
it
higher.
But
a
big
part
of
of
the
problem
is
what
we
what
we
looked
at
when
we
talked
about
look.
We
did
this
analysis
based
on
the
communities
themselves
and
those
communities
right.
They're,
based
on
geography
and
the
geography
being
taken
into
account
is
a
big
part
of
the
problem.
G
So,
while
we
can
certainly
look
at
this-
and
I
would
say,
the
first
thing
we
would
need
is
more
data
right
and
we're
happy
to
help
the
the
the
city
council
do
this
and
to
work
with
you
on
this
and
to
look
at
it
more
ourselves.
G
If
we
just
knock
these
down,
they
may
then
come
up
with
other
factors,
but
if
the
system
itself
limits
the
factors
and
says
you
can
only
use
these
three
or
four
factors,
it
eliminates
all
of
that
from
happening.
So
I
hope
that
that
then
answered
the
question,
but
I
felt
like
there
were
a
few
questions
packed
in
there
and
I
apologize
for
going
on
so
long.
No.
C
No,
that
was
actually
very
helpful.
I
appreciated
that
answer,
and
I
guess
I'll
probably
have
time
for
just
one
more
question,
and
so
the
question
on
that
is
in
terms
of
the
status
quo,
the
how
it's
working
right
now
it
hasn't
been
changed.
It
sounds
from
what
I've
heard
like
a
lot
of
this
is
gonna,
be
at
the
state
level.
They're
gonna
need
to
carry
a
lot
of
the
water
on
on
making
these
changes,
who
profits
right
now
from
the
status
quo.
C
Is
there
a
reason
why
somebody
would
look
at
this
process
as
it
exists
now
with
all
of
its
discriminatory
sort
of
whether
it's
it's
on
purpose
or
not,
but
all
of
the
discriminatory
aspects
of
what's
happening
now,
who's
profiting
from
that
is
there
is
there?
Is
there
a
reason?
Why
say
a
representative
in
another
part
of
the
state
would
want
this
system
to
be
in
place.
C
In
other
words,
is
there
a
chance
that
these
communities
being
burdened
the
way
they
are,
is
actually
subsidizing
those
communities
or
is
it
a
matter
of
the
impact
of
what
the
rates
are
in
say?
Roxbury
have
no
impact
on
what
the
rates
are
in
milton
they're.
Not
done
that
way,
or
is
it
a
situation
where
the
greats
in
milton
are
allowed
to
be
where
they
are
because
they're
subsidized
by
the
height
and
the
amount
of
rate
in
say
roxbury
or
high
park
or
or
dorchester.
G
Well,
I
I
think
all
I
can
say
to
that
is
the
the
the
issue
of
who
profits
is
not
something
that
that
that
I've
looked
at,
as
specifically
as
what
the
impact
is.
The
main
thing
that
I
was
focused
on
was
you
know
who
is
suffering
from
the
harm
compared
to
the
state
average.
G
I
think
that
if
you
looked
at
our
letter
and
our
and
the
excuse
me,
if
you
look
at
the
letter
we
sent
to
financial
services
that
we
attached
to
the
testimony,
it
shows
you
know
the
premium
impact
on
different
communities
and
shows
which
communities
you
know
are
getting
really
low
premiums
and
how
that
relates
to
the
non-whiteness
of
those
communities
or
the
income
of
those
communities.
But.
C
I
don't
want
to
cut
you
off
because
I
know
I'm
short
on
time,
so
I
do
appreciate
this
answer,
but
I
guess
mostly
what
I'm
trying
to
figure
out
is:
do
we
know
whether
or
not
specifically,
the
fact
that
these
rates
are
so
high
in
communities
of
color?
Does
that
play
a
role
in
the
subsidization
of
lower
insurance?
For
these
wider,
more
affluent
communities
does?
Are
they
tied
together?
Do
they
get
to
pay
less
because
others
pay
more.
C
G
Well,
then
that's
probably
going
to
raise
the
rates
in
those
communities
and
lower
them
in
the
communities
of
color,
but
you
know
putting
it
in
terms
of
who's
profiting
from,
and
it's
just
is
hard
it's
hard
for
me
to
do
again,
just
because
you're
asking
me
now,
while
I'm
standing
here
and
that's
just
not
the
way
we
looked
at
the
data.
G
Well,
I
I
think
that
you
could.
You
could
say
that
their
premiums
are
lower
because
of
the
system
that
we
have
in
place,
and
you
can
envision
a
different
system
for
things
that
ask
different
questions
in
doing
the
rating,
which
would
raise
those
rates
and
lower
the
rates
in
the
in
the
other
community.
B
Thank
you.
Those
are
really
great
questions
counselor,
and
I
think
that
the
who
benefits
from
this
is
it's
really
key
in
terms
of
why
we're
even
even
having
this
conversation,
if
we
really
think
about
it,
I
think
that
there's
something
there
to
definitely
unpack
I'd
like
to
give
an
opportunity.
B
I
do
have
some
of
my
own
questions,
I'm
just
curious
if
we
know
what
we
know
and
I
understand
that
we
need
to
do
a
study
and
show
data
and
facts
and
figures,
but
I'm
just
curious
in
terms
of
why
given
given
the
the
huge
disparities,
how
have
companies
like
geico
and
state
farm
and
progressive?
G
Well,
I
think
that
it's
it
all
sort
of
has
just
been
an
an
evolution,
because
remember
we
used
to
have
a
a
regulated
insurance
system
that
you
know
basically
set
a
specific
rate
and
handled
in
a
certain
way,
and
there
was
a
hearing
and
there
was
one
sort
of
set
of
of
premiums
in
a
system
etc,
and
then
during
deregulation,
it
became
harder
to
track
what
they
were
doing.
G
If
you
look,
for
instance,
at
some
of
these
insurers
filings
now,
it's
like
a
black
box
and
even
for
our
office,
it's
very
hard
to
sort
of
tease
out
how
they're,
using
and
treating
the
rating
factors,
and
they
set
up
a
bunch
of
different
companies
for
purposes
of
underwriting,
so
that
it's
it's
very
difficult
to
track
what's
happening
and
it
wasn't
until
you
know
we
went
ahead
and
were
able
to
get
this
data,
which
was
hard
to
get
to
be
able
to
run
this,
that
we
were
able
to
see
the
the
impacts
here.
G
So
I
think
part
of
it
is
just
you
know
it
used
to
be
many
years
ago
that
auto
insurance
was
very
spotlighted.
There
was
one
hearing:
every
year
there
was
a
ton
of
coverage
in
the
boston
globe
and
everybody
was
focused
on
these
rates,
and
now
people
don't
even
necessarily
know
when
the
rates
are
changing
until
they
get
their
build,
because
everything
is
atomized
out.
B
Right
and
and
so
for
those
who
are
doing
business
in
boston,
councilor
campbell,
this
question
is
probably
more
so
for
you,
because
I
know
you.
This
is
something
that
you
brought
here
to
the
floor,
but
I'm
just
curious.
You
know
on
a
municipal
level,
when
you
think
about
this
conversation,
what
can
we
do
as
a
council,
you
even
maybe
perhaps
put
a
moratorium,
put
a
freeze
like
until
the
studies
could
I
mean.
B
I
know
that
sounds
crazy,
but
is
there
a
way
for
us
to
even
consider
doing
a
price
lift
freeze
until
we
figure
some
things
out
so
that
we
can
at
least
slow
down
the
harm
that
we're
causing
so
many
of
our
constituents?
I'm
just
curious.
If
that's
even
legal
you're,
a
lawyer,
you
probably
will
let
me
know
whether
or
not
that
is
even
worth
doing,
but
I'm
just
curious.
What
can
we
do
right
now
too
yeah
so.
E
I
don't
know
that
we
can
do
that.
I
mean,
I
think
we,
the
purpose
of
this
hearing,
and
I
was.
I
was
really
happy
that
the
that
glenn
and
aj's
office
could
come
because
they've
been
in
the
weeds
on
this
was
one
to
really
get
at
the
data
piece.
I
think
that
part
is
critically
important
right
to
be
able
to
even
take
the
stories
we're
hearing
to
say
these
people
and
our
residents
aren't
making
this
up,
that
these
disparities
are
real.
E
You
need
those
numbers
and
that
information
and
how
hard
it
was,
get
how
hard
it
is
to
get,
and
so
I
think
that
us,
as
a
city
pushing
for
more
data
and
information
and
not
waiting
on
the
state,
is
something
we
should
be
pursuing,
because
the
state
can
take
a
long
time
or
you
know
the
the
doi
at
the
state.
We
talk
to
them
it's
hard
to
get
information
from
them.
It's
just
difficult
and
challenging.
E
E
You
know,
obviously
california
is
doing
something
different.
We
can
wait
on
the
state,
but
what
is
it?
The
city
of
boston
could
be
doing
with
respect
to
insurance
companies.
What
levers
and
what
more
levers
do
we
have
as
a
municipality
to
pull
in
order
to
create
greater
movement
outside,
of
course,
advocating
and
pushing
through
this
hearing
and
calling
people
at
the
state
house
and
reaching
out
to
the
division
of
insurance?
What
other
leverage
could
we
pull
at
the
city
level
to
be
able
to
have
an
impact
on
this
issue
that
people
can
feel
right?
E
You
just
talked
about
how
everything
is
so
hidden.
You
know:
is
there
something
we
can
do
to
promote
more
transparency?
So
people
know
about
these
races.
We
require
some
kind
of
release
of
information
so
that
people
have
to
wait
till
they
get
their
bill
or
people
at
least
can
see
the
differences
I
mean
there
are
folks
who
don't
even
know,
they're
paying
more
and
getting
less
coverage.
E
Only
folks,
most
of
the
folks
who
reached
out
to
us,
were
folks
who
moved
literally
from
matapan
to
dorchester
or
from
jp
to
mattapan
or
jp
to
roxbury
and
said:
wait
a
minute.
Why
did
my
insurance
just
go
up
for
no
reason?
E
So
what
else
could
we
we
do
legally,
it's
something
I'm
still
exploring,
but
I
definitely
want
to
wanted
to
hear
your
perspective
and
thoughts
as
well.
B
And,
and
before
you
answer
glenn,
I
just
wanted
to
recognize
that
we
also
have
been
joined
by
my
colleague,
counselor
breden,
who
has
joined
us
and
just
curious
if,
after,
if
counselor
breeding,
you
wanted
to
say
hello
in
any
opening
quick
remarks,
while
you're
here
and
then
glenn
I'll,
give
you
some
extra
time
to
answer
that
question
because
we're
gonna
hold
you
accountable
to
some
really
good
ideas
that
we
can
pursue.
Okay,
so
think
about
that,
while
council
breeding
says
hello
and
have
her
open
it
up,
yeah.
J
I
think
this
is
really
important.
I'm
sorry,
emily!
I
had
a
conflict
this
morning.
I
think
it's
a
really
important
conversation
to
have.
I
I
know
there's,
there's
all
sorts
of
ways
that
people
try
and
get
around
this
issue
about
their
insurance
rates
in
the
city
being
being
higher
than
a
neighboring
suburb.
J
So
it's
definitely
something
I
really
appreciate
the
attention
to,
and
I
hope
that
we
can
change
it
and
improve
the
situation.
So
thank
you
so
much
for
your
leadership
on
this
and
I'll
just
continue
to
listen
in.
Thank
you.
B
G
Well,
I
I
I
I
wish
I
had
more
to
tell
you
than
what
I'm
what
I
mentioned
before,
which
I
think
that
the
advocacy
piece
is
is
a
big
piece.
I
know
that,
for
instance,
when
the
when
credit
scoring
was
was,
it
was
an
issue.
This
is
years
back
and
obviously
credit
scoring
can
have
a
large
impact
on
on
communities
of
color,
and
that
was
going
to
be
put
into
the
auto
insurance
system
and
our
office
had
opposed
it.
But
it
was
after
the
city
of
boston.
G
You
know,
weighed
in
and
also
raised
issues
about
it
that
then
there
was
a
change
and
it
ended
up
being
put
into
the
statute
that
they
can't
use
credit
scoring.
So
I
I
would.
G
I
would
just
urge
you
to
think
about
the
the
the
impact
that
the
city
can
have
different
from
that,
though
you
know
I
I
counselor,
campbell
and
and
our
office
have
had
discussions
right
previously
on
this,
and
I'm
happy
for
us
to
have
more
we'd
like
to
work
with
you
and
brainstorm
and
try
to
come
up
with
ideas
in
ways
that
you
can
use
the
advantage
that
the
city
has
and
the
tools
that
the
city
has
to
try
to
to
try
to
help
with
this
problem.
G
I
think
that
there
may
be
things
that
that
can
be
done,
but
I
do
want
to
underscore
that
a
legislative
solution,
if
you
want
to
get
at
the
big
picture
issue,
is,
is
probably
a
way
to
do
this,
because
look.
The
insurers
are
just
going
to
say
that
they're,
just
following
the
losses
and
that
the
reason
things
work
out
this
way
is
they're.
Looking
at
those
numbers
and
again
getting
back
to
my
initial
comment,
a
lot
of
this
instead
has
to
be
about.
G
We
got
to
think
about:
what's
what's
fair
and
is:
is
there
a
way
to
do
this,
to
you
know,
make
it
a
fairer
system.
E
Campbell,
no,
I
I
think
you
know
we're
definitely
going
to
continue
the
conversation
and
bring
back
different
ideas.
You
know
we
were
trying
to
at
least
get
this
conversation
started
before
the
end
of
the
year.
Because
of
the
concerns
we
were
hearing,
of
course
from
residents,
but
I
think
it's
a
step
in
the
right
direction,
and
particularly
I'm
grateful
to
my
council
colleagues
as
well,
because
this
is
going
to
take
all
of
us
to
do
something
here.
E
B
Thank
you.
I'm
gonna
see
if
it's
okay,
if
the
two
folks
who
who
I
see
we
have
some
folks
who
are
in
our
waiting
room,
not
sure
if
any
there's
paul
williams,
if
you
are
interested
in
any
public
testimony,
please
raise
your
blue
hand,
ari,
okay,
but
now
I'm
inviting
them
and
they're
all
leaving.
B
Okay,
fine,
not
to
say
anything,
it's
all
good,
but
I
would
like
to
create
an
opportunity
for
our
two
public
testimonies
that
spoke
earlier
today
to
see
now
that
what
you
heard
and
in
any
additional
remarks
that
you'd
like
to
make
of
things
for
us
to
consider
and
think
about,
as
we
continue
to
move
this
conversation
forward
and
then
I'd
like
to
give
my
colleagues
an
opportunity,
ari,
I'm
sorry,
I
see
ari.
Are
you
interested
in
speaking
ari?
B
K
K
I
also
could
have
started
this
testimony
saying
that
I'm
a
resident
of
boston
because
last
I
checked
roxbury-
is
a
neighborhood
in
boston.
A
few
months
ago
I
bought
my
first
car
as
I
compared
prices
for
auto
insurance.
I
filled
out
aaa's
online
insurance
quote.
I
filled
out
boston
and
was
quoted
1
688,
a
rep
from
aaa
reached
out
to
me
to
follow
up
with
a
more
detailed
quote:
totaling
3
353,
that's
almost
double.
K
When
I
asked
why
the
rep
said
the
price
is
higher
than
what
you
were
quoted
online,
as
your
zip
code
reflects
roxbury
rather
than
boston.
Roxbury
has
a
higher
rate.
I
countered
that
roxbury
is
a
neighborhood
in
boston.
He
responded.
The
neighborhoods
are
categorized
into
different
risk,
tiers
based
on
whatever
algorithms,
a
particular
insurance
carrier
uses.
K
K
I
love
living
in
roxbury
and
I
love
living
in
boston
and
while
I
love
our
unique
neighborhood
pride,
it
reeks
of
racism
that
residents
of
different
neighborhoods
are
quoted
different
prices
on
auto
insurance.
It
especially
incenses
me
that
my
black
and
brown
neighbors
in
roxbury
are
charged
more
than
the
whiter
residents
of
other
neighborhoods.
B
Thank
you
so
much
ari.
That
is
truth
right
there.
B
So
I
would
like
to
see
if
my
colleagues,
I
actually
were
our
two
public
testimony
speakers
earlier
leon
and
andrew,
if
there's
anything
else
that
you'd
like
to
bring
to
the
conversation
before
we
close
and
andrew.
I
know
well
it's
going
to
be
a
quick
question
or
a
comment
and
then
I'm
going
to
move
on
to
leon
and
then
I'm
going
to
ask
my
colleagues.
So
this
is
just
a
courtesy.
F
Mr
kaplan
said
data
is
getting
more
difficult
to
obtain
and
I
just
wanted
to
point
at
contrast
to
this
single-payer
system
in
british
columbia.
It
says
because
of
covid
with
people
using
their
cars,
so
much
less.
Insurance
claims
were
329.5
million,
less
than
were
expected
for
the
first
quarter
or
second
quarter.
At
the
same
time,
premium
revenue
was
reduced
by
136
million
dollars.
F
You
can
go
on
their
website
and
find
maps
that
you
can
zoom
in
on
each
accident,
each
intersection
to
the
entire
province
and
see
how
many
accidents
occurred
in
each
exit
in
each
intersection
and
so
on.
It's
just
truly
amazing
and
it's
it's
a
system
that
reflects
the
values
that
most
people
aspire
to.
Thank
you.
B
J
I
think
just
following
on
from
the
previous
speaker,
I
think
if
we
have
a
data
based
system,
that's
that's
founded
decision
making.
That's
based
on
data
rather
than
just
a.
J
Intersections
that
are
problematic
might
be
a
way
to
inform
policy
better.
I'm
just
not
sure.
I
know
that
we
have
asked
for
a
data
analyst
for
traffic
accidents
in
boston,
but
I
don't
know
whether
we
and
they
were
appointed
this
year.
So
I'm
not
sure
if
that
is
producing
any
any
better
information
than
we
had.
J
So
that's
more
of
a
statement
rather
than
you
know,
to
to
bring
in
the
the
data
analyst
information
that
we
might
have
to
inform
this
decision.
This
discussion
as
well,
so
that
it's
based
on
real
data
from
incidents
of
accidents,
rather
than
just
a
perceived
prejudice
against
communities
of
color
in
our
city.
J
B
You
thank
you,
council,
breden,
so
again,
andrew.
Let
me
find
out
you
live
in
arlington
and
hold
on.
Let
me
go
to
leon
first.
Okay,
so
you
know
okay
leon,
really
quick,
if
you
just
have
any
other
questions,
follow
up
I'd
like
to
then
move
on
to
our
lead
sponsor
and
my
colleagues
for
final
rewards.
D
Sure
sure
I
just
want
to
thank
concert
campbell
for
doing
this,
because
it's
so
important
and
again
I'm
wondering,
if
maybe
for
our
next
conversation,
we
can
have
some
state
officials
with
us
just
to
give
us
a
better
idea
of
what
can
be
done
as
a
whole
just
working
together,
because
I
know
it's
hard
for
the
city
con.
So
it
sounds
like
I'm
listening
to
glenn,
you
know
hands
a
bit
tired.
So
maybe
we
can
include
some
state
elected
officials
here,
local
elected
officials,
just
to
see
what
we
can
do
moving
forward.
E
How'd,
you
add
councilman
here
that
we
did
reach
out
to
rep.
Frank
moran
has
been
doing
incredible,
work
on
this
in
this
space
for
a
long
time
and
filed
legislation,
they
were
unavailable
because
of
just
his
craziness
at
the
state
house,
but
we
will
keep
them
engaged
for
the
next
conversation
plan
around
some
of
these
other
folks
schedules
to
make
it
happen
for
sure.
So,
thank
you
leon
and
thank
you,
andrew.
F
I
I
thank
you
so
much
and
for
indulging
me,
my
friend
in
in
randolph
said
that
his
town
is
65
percent,
ethnic
or,
but
he
pointed
out,
and
they
have
super
high
rights
because
of
the
two
highways
he
pointed
out.
Avon
is
has
is
mostly
white
and
they
have
the
same
issue.
So
it's
kind
of
a
case
where
what's
mathematically
rational,
rational
overrules,
what
we
really
want.
That's
all,
thank
you.
So
much
for
indulging
me.
B
Thank
you,
I'm
going
to
go
for
cl
counselor
campbell.
Do
you
think
we're
good
to
close
out
with?
Do
you
have
any
other
questions
any
other,
so
we'd
love
to
close
out?
If
you
don't.
E
E
I
appreciate
you
sharing
about
the
institution,
that's
right
here
in
the
city
of
boston,
that
most
folks
don't
even
know
about
to
learn
around
the
history
of
this
industry,
which
I
think
is
critically
important
and
clearly
we
still
have
a
lot
more
work
to
do,
although,
as
you
know,
many
folks
have
testified,
it's
illegal
to
use
race
and
income
in
certain
factors,
the
impact
that
we're
seeing
is
very
much
falling
along
those
lines
and
the
fact
that
communities
of
color
are
paying
more
in
receiving
far
less
coverage
is
just
astounding
and
ridiculous
all
at
the
same
time,
and
so
we
have
to
do
something
to
change
it.
E
We
definitely
want,
of
course,
to
work
in
partnership
with
our
state
colleagues
and
rep
moran
and
others
who
have
taken
frank
moran,
taking
the
lead
on
these
issues,
but
then,
of
course,
thinking
about
what
we
can
do
as
a
city
at
the
same
time,
and
so
there
are
a
lot.
I
have
a
lot
of
notes
and
ideas
looking
into
whether
or
not
legally,
we
can
do
certain
things,
but
I
think
we
can
push
for
study.
E
I
think
we
can
push
for
more
data
collection,
making
it
easier
and
maybe
some
disclosures
and
other
things
that
are
useful,
but
then
also,
of
course,
some
other
pieces
as
well,
in
particular,
looking
at
the
work
in
california
around
this
very
issue
to
change
the
factors
that
folks
use.
So
thank
you
to
all
my
council,
colleagues
and,
of
course
thank
you
to
the
panelists
and
those
who
testified
and
ari.
Thank
you
as
well
for
coming
and
testifying
stay
safe
and
healthy
and
enjoy
the
holiday
season.
Everyone.
Thank
you,
yeah.
Thank
you.
B
Thank
you
don't
go
nowhere
because
I
have
my
other
colleagues.
She
she's,
I'm
the
one
who
gravels
us
out.
Okay,
I'm
here
go
your
role.
I'm
gonna
go
next
to
counselor
and
I
think
counselor
flynn
has
left
so
I'm
gonna
go
next
to
counselor
arroyo
for
closing
remarks.
If
you
are
still
with
us,
he
might
have
left
so
I'm
gonna
go
to
counselor
breeding.
J
Thank
you.
I
think
this
is
a
really
important
conversation.
I'm
sorry.
I
missed
most
of
the
conversation
this
morning,
but
I
am
very
interested
in
following
up
and
continuing
to
be
engaged
in
this
conversation
going
forward,
and
hopefully
we
will
make
some
substantial
changes
and
make
this
a
more
just
and
equitable
business
system.
Thank
you.
B
Thank
you.
Thank
you
so
much.
I
would
like
to
just
make
sure
that
we
don't
have
any
other
public
testimony,
so
I
just
want
to
say
thank
you
to
the
members
of
the
public
and
to
the
panelists
for
their
testimony.
B
I
really
do
appreciate
the
thoughtfulness
of
our
interaction
here
today
and
I
do
believe,
as
I'm
looking
forward
to
working
alongside
my
sister-in-service
counselor
campbell,
because
I
see
this
as
a
as
an
issue
that
is
impacting
a
lot
of
people,
I'm
across
the
city
and
so
looking
forward
to
continuing
the
dialogue
and,
more
importantly,
to
moving
us
beyond
the
dialogue,
so
that
we
can
make
some
things
happen.
So
incredibly
grateful
to
you
all,
I'm
going
to
gamble
us
out,
because
I
don't
have
a
formal
one.
This
hearing
is
now
adjourned.
Thank
you.