Quote:
Originally Posted by rahl
for the purposes of this discussion they are the same as it relates to pre exs.
|
No, they are not, no matter how many times you say they are.
First of all, there are no "preexisting conditions" in auto and home insurance. You have previous behavior that indicates current and future risk, but you don't have a condition or a risk that is completely excluded from coverage. And that is because the nature of the insurance is different. The risk distribution is different. And in statistics, distribution is everything. That is why a true health insurance would pool the risk across a person's lifetime.