2—The Daily Collegian Wednesday, Feb. 15, 1984
• . •
Gender might not be used for auto insurance rates
• • . • •
State Supreme Court to hear case on practice of charging young males higher premiums
Editor's Note: This is the first of two arti- he was challenging the "status-quo" of the Bartle also said the practice violated the Insurance Department into the validity of risk probability, the insurance companies
cies dealing with gender as a rating factor in entire insurance industry. His case was Casualty and Surety Rate Regulatory Act of using sex as a rate classification factor. must be able to rely on actuarial integrity in
Pennsylvania auto insurance. Tomorrow's argued last October before the state Su- 1947. The act states that rates "shall not be Leavitt said that during testimony, Hart- establishing rates. .. I would remand for
story will focus on the gender issue in all preme Court and lower courts by Mary excessive, inadequate or unfairly discrimi- ford conceded it had no evidence to prove more actuarial evidence against which to
lines of insurance at the national level. Hannah Leavitt, chief of litigation for the natory." Hartford took the issue to court that there is an inherent difference between examine the Commissioner's judgment.
state Insurance Department. and said Bartle had overstepped his authori- the driving ability of men and women. Hartford, backed by 'many other insurers
.
By BEVERLY M. PAYTON ' "What I didn't expect was that I would ty. "But what really hurt them," she said, who would be affected by this ruling, ap-
Collegian Staff Writer win at the insurance department level, and The state's Unfair Insurance Practices "was admitting that their rate making was pealed to the state Supreme Court.
that they would argue my case all the way Act of 1974 clearly forbid "any unfair dis- derived from loss experience records corre- Meanwhile, Hartford and all other auto-
A case pending before the state Supreme up to the state Supreme Court," . he said crimination between individuals with re- lating the sex of persons listed as principal mobile insurers are continuing to rate young
Court may prohibit insurance companies during a telephone interview last fall. gard to , underwriting standards. . . by operator rather than upon records of the men in the same manner as before.
from using gender as a rating factor in Insurance companies have traditionally reason of race, religion, nationality or eth- gender of the driver actually involved in the Mattes, now 30-years-old and rated as an
automobile insurance, thus forbidding the charged young men much higher premiums nic group, age, sex, family size, occupation, accident." adult driver, is paying the same premium
traditional practice of charging young for automobile insurance than young worn- place of residence or marital status." Mattes, said another
. argument that rates as a female with the same risk charac
males much higher premiums than young en, but most insurers insist the practice is Hartford, however, in its arguthent before worked to his advantage was his claim that _ teristics. He has essentially outgrown his
females. justifiable. . the state Commonwealth Court, pointed out sex-based rating violated the Pennsylvania premium problem.
In 1979, the Hartford Accident and Indem- John B. O'Day, president and managing that the regulation adds: "This chapter does Equal. Rights Amendment. But the court's decision could affect the
nity Insurance Co., issued Philip Mattes, of director of the Insurance Economics Society not prohibit insurers from differentiating in Judge David W. Ciaig said in writing the rating procedures insurers use for deter-
Scranton, an automobile policy and charged of America, said claim records show young premium rates between sexes where there
opinion of the Commonwealth Court: "That mining the premiums of all their current
him a premium $l4B higher than. what a males are involved in accidents about three is sound actuarial justification." provision of the Pennsylvania Constitution and future young policy holders. What these
female would have paid. Mattes, a recent times more often than young females. But this placed the burden of proof upon
law school graduate, responded by filing a "These accidents also tend to be more the insurers to convince the court that rate (the ERA) must be viewed as a powerful rating procedures entail is a complicated
_
influence in statutory construction. . . the table based not only on age and gender but
formal complaint with the Pennsylvania serious, often resulting in extensive prop- distinctions between young male and female
courts are not in a position to dispute the marital status as well.
Insurance Department. erty damage, bodily injury and even loss of drivers were based on "sound actuarial •
The complaint stated that Hartford was life," he said. justification." Hartford could not do so. Commissioner's conclusion that the use of According to actuarial tables developed
charging him a 26-year-old, unmarried Mattes' complaint caught the attention of During an administrative hearing prior to sex as a rating classification is. . . inherent- by the Insurance Services Office, a man is
ly unfairly discriminatory because it fails to rated as a youthful driver until the age of 30,
male with an unblemished driving record then insurance commissioner Harvey Bar- the March 10, 1982 Commonwealth Court
treat equals equally." unless he marries before then, in which case
$360 for a policy, while a woman with the. tle. hearing on the Mattes complaint, Leavitt
same risk characteristics would pay only On April 17, 1980, Barile said: "We don't said in any given year more than 90 percent However, not all of the judges agreed with he is rated as an adult at the age of 25. But a
$212. This, Mattes said, constituted sex permit racial discrimination and we will no of both young adult males and females do the majority decision.-. President Judge , married , woman . is .rated as an adult at the
discrimination. longer permit sex discrimination in rate not have accidents. The hearing was the James Crumlish Jr. wrote the only dissent- age of 20. A single woman is rated as an
Mattes said that at the time he knew that making." . first official inquiry by the ' Pennsylvania ing opinion: "Since insurance is based on • adult at 24 years of age. -
Professor to host
and talked to lots of people who use
the fly rod to catch all kinds of fish,
A University professor will worm name it. People are finding it's a very
his way out of ordinary fishing meth- successful way to take trout," he
* rt ods when he hosts a national tele- said.
0
•
vi t vision series on the art of fly fishing Humphreys, who grew up in State
this summer. College, said he has been fishing for
Joe Humphreys, assistant profes- 50 years and caught his first trout at
sor of physical education, author of age 6. When he was young he liked to
'T.,!the sport, will present the eight-part fish in the streams of central Pen
-'""series, "Fly Fishing With Joe Hum- nnsylvania and received good advice
-tphreys" on the Entertainment and from many experienced fly fisher
:, 'Sports Programming Network man, including George Harvey, the
nESPN) on Sunday mornings from professor who founded Penn State's
‘'',July 15 to Sept. 2. accredited angling program in 1047.
Humphreys said fly fishing is "very In the late 19605, Humphreys joined
right now in the United States and the physical educatibn department at
growing rapidly. It's almost taken on Bald Eagle Area High School in Wind
fad proportions on the West Coast. gate, where he started a casting
*_,'"l've traveled across the country program.
By ROBERT P. KING
Collegian Staff Writer
,
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Professional Dusiness Fraternity
MEETING
Wednesday, February 15
217 Willard 7:00 pm
R 307
summer fly fishing
Since coming to the University, prised, pleased and excited" about
Humphreys has written articles for being-chosen to host the series.
several fishing magazines, including Filming will begin May at streams
"Fly . Fisherman" and "Outdoor across the country, from central
Life" and he has written a book, "Joe Pennsylvania to the Potomac to the
Humphreys' Trout Tactics," which is Colorado Rockies, he said.
in its fourth printing. The program will be "a fun show
Larry Martin, executive producer with some smarts" and will focus on
of the series, said the idea for the the "real in and outs of the game,"
program originated last summer Humphreys said.
when he came to central Pennsylva- "This isn't going to be Celebrity
nia to visit inlaws and decided to take' Fishing where you're with somebody
a seminar Humphreys -was teaching who doesn't know one end of the rod
at Yellow Breeches near Harrisburg. from the other. We may eventually
Martin was impressed with Hum- have celebrities on the show but they
• phrey,'s charisma and the growth of had better be able to fish," Hum
the sport and decided to produce a phreys said.
pilot episode. The pilot was shot last Martin said the series will run for
September with Humphreys, and eight weeks this summer, but if it is
ESPN subsequently picked it up. successful, 18 more episodes will be
Humphreys said he was "sur- produced for next year.
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You have just become .living proof , that
people read Collegian ads.
OOPS.
USG holds 'senator days'
in dorm union buildings
By MARK DIANTONIO
Collegian Staff Writer
Informing students about what the tions.
Undergraduate Student Government Although hearing complaints is not
does and how it can help students is the main reason for having senator
the emphasis of "senator days" to be days, Mowery said senators will also
held today and tomorrow in most listen to grievances.
dormitory areas. • "We are reaching out to the stu-
North Halls senator Kate Cooney dents because at a University of this
said senator, days will give students a size, it is tough for students to be in
chance to find out what the members contact with their representatives,"
of USG do and how they can better she said.
serve the students. Mowery said people not involved
Cooney said tables will be set up in with USG might think the organiza
the lobbies of the union buildings in tion is "unapproachable" and senator
North and East Halls today and Pol- days will help students become more
lock, Centre, South and West Halls familiar with the organization.
tomorrow. Senators representing - the
respective areas, as well as other "We don't want student apathy to
senators, will be sitting at the tables be the problem and senator days is
from about 11 a.m to 2 p.m. and 4to 6 • geared at informing students about
p.m., depending upon the area. USG," she added. •
East Halls senator Danielle Mow- Cooney said senator days, a first
ery said senators will have pamphlets time event, should get people inter
explaining USG services, surveys ested in USG and let them know that
asking students what services and their representatives are doing some
programs they would like to see, thing.
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Go to the head of the class:
Panel to discuss incentive pay and career advancements for teachers
By MIKE KINNEY
Collegian Staff Writer
The issues of incentive pay and cared ad
vancement for teachers are scheduled to be
discussed by a panel of seven local and statewide
education professionals at 7 p.m. next Tuesday in
112 Chambers Building.
These issues contain questions ranging from
how to tranform the status of the teaching profes-
sion to providing incentive to keep the best
teachers. Also, the adequacy of evaluating teach
, er performance and rewarding it without getting
into an unproductive political swamp will be
discussed, said Henry J. Hermanowicz, Universi
ty dean of the college of education.
"The whole matter of career ladder and merit
pay proposals that is surfacing , in commission
reports and state recommendations across the
country has a lot of unanswered policy ques
tions," Hermanowicz said.
Educators cannot simply embrace, merit pay
and career ladder proposals as solutions, they
must examine the anderlying issues and pursue
thoughtful measures for improving the quality of
schools and the field of teaching, Hermanowicz
added.
`The problem of attracting
good teachers and giving
them incentive to stay in the
profession is a very important
issue that has received a lot
of national attention.'
Henry C. Johnson Jr., University
professor of education and panel
discussion moderator
Henry C. Johnson Jr., University professor of
education and panel discussion moderator, said:
"The College of Education is sponsoring a nation
al study council at the University this summer. It
will incluge experts from political, economic, and
professional aspects of the issue."
Johnson is also a professor within the division
of education policy studies.
"The problem of attracting good teachers and
giving them incentive to stay in the profession is
a very important issue that has received a lot of
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*refreshments following * R 296
The Daily Collegian Wednesday, Feb. 15, 1984-3
national attention," Johnson said.
Richard A. Walter, a vocational industrial
education instructor who organized the panel
discussion, said he does not expect final answers.
to come from one night of discussion, but rather
hopes the gathering will pose the issues and
stimulate thinking.
Joining Hermanowicz and Johnson on the panel
will be:
William E. Babcock, superintendent of the
State College Area School District; Terry Di-
Gruttolo, coordinator of Education Excellence
Programs for the Pennsylvania State Education
Association; Dorsey Enck, director of Manage
ment Services for the Pennsylvania School
Board; George J. McMurtry, member of the
State College Area School Board and William E.
Caldwell, associate professor of education in the
Division of Education Policy Studies in Penn
State's College of Education.
The discussion is being sponsored by the Penn
State chapter of Phi Delta Kappa, a professional
educational fraternity, and the Penn State stu
dent chapter of the Pennsylvania Education
Association.