Car insurance companies use complicated formulas to determine their car insurance rates. The rates not only depend on general insurance metrics but also on the type of driver.

Car insurance companies collect information about each driver and use that information to compare that driver against similar drivers. Based on that comparison, insurance companies match drivers against similar drivers to determine their risk of accident. 

If you believe you have been unjustly treated by an insurance company, contact the Des Moines bad faith insurance lawyers of LaMarca & Landry, P.C., at 877-327-2600.