Did anyone say, "red lining" ?
What my understanding is, that ALL insurance companies took such a "hit", they made up, in phases, for the BIG LOSSES !
First, they "discontinued", people who did NOT have auto insurance with the same company...no matter how long they were good, no claim, customers. I believe, ALL STATE, was the first one to do this.
Then, the insurance companies "discontinued", people who were long time customers, and had BOTH car and home insurance.
They red-line if you have ANY close proximity to the water...I'm talking about even four or five miles away !
Nice of em, huh ?