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However, the bankruptcy of the insured with a "reimbursement" coverage does not relieve the insurer. Certain forms of insurance, e.g., staff' compensation and personal car legal responsibility, are subject to statutory necessities that injured events have direct entry to coverage. In July 2007, the US Federal Trade Commission launched a report presenting the results of a examine regarding credit-based insurance scores in car insurance. The examine discovered that these scores are effective predictors of risk. It also confirmed that African-Americans and Hispanics are substantially overrepresented in the lowest credit scores, and substantially underrepresented within the highest, while Caucasians and Asians are more evenly unfold throughout the scores.<br>Non-life or property/casualty insurance corporations, [https://portal.care2healthequitycenter.org/community/profile/sarah03g5449231/ portal.care2healthequitycenter.org] which sell other forms of insurance. 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