Question 30 4 pts Refer to the articles "When Good Drivers Pay More for Insurance than Bad Ones" and "Insurers Test Data Profiles to Identify Risky Clients. People's credit histories are highly correlated with their loss experience. Which of the following is false regarding underwriting? None Most car and home insurers use credit reports to price their policies. Life insurers rely heavily on medical screening in underwriting. Some charge higher auto rates for lower-income drivers, even if the drivers have safe driving records because they often give nondriving-related factors, like occupation and education, more weight than driving-related factors