[Congressional Record Volume 169, Number 184 (Tuesday, November 7, 2023)]
[House]
[Pages H5479-H5480]
From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]




                       HIGH AUTO INSURANCE RATES

  (Ms. TLAIB asked and was given permission to address the House for 1 
minute.)
  Ms. TLAIB. Madam Speaker, auto insurance discrimination continues to 
keep our residents in the cycle of poverty in Michigan.

[[Page H5480]]

  The Prohibit Auto Insurance Discrimination Act, or PAID Act, would 
prohibit auto insurance companies from using education level, marital 
status, credit scores, ZIP Codes, Census tracts, or homeownership 
status in insurance rating or underwriting decisions.
  Madam Speaker, these factors don't determine your driving ability, 
yet our neighbors, especially in my district, regularly face higher 
auto insurance rates.
  Currently many people are charged hundreds or even thousands of 
dollars more based on these factors, even though they aren't related to 
driving.
  Madam Speaker, I don't know what the heck marital status or education 
level have to do with whether or not you are a good driver.
  This summer Michigan residents saw a 42 percent fee increase adding 
on to higher fees that are still unaffordable for many families.
  I am really grateful to be working with Congresswoman Bonnie Watson 
Coleman on the PAID Act.
  Madam Speaker, I encourage my colleagues to please fight against this 
discriminatory practice.

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