Latest / AI Ethics with Fexingo: Bias, Safety, and Responsible Artificial Intelligence
When Your AI Car Insurance Punishes Your Neighbors Driving
Lucas and Luna examine the growing practice of auto insurers using AI models that price premiums based on the driving records of people in your neighborhood—not just your own history. They focus on a 2025 case where a driver in Kansas City, Missouri saw her rate jump 22 percent after a crash two blocks away, even though she had a perfect record. The episode explores the data sources insurers use, the geographic granularity of the models, and the regulatory pushback from states like California and Massachusetts. Lucas explains how the AI correlates zip-code-level claim patterns with individual…
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