Insurance companies lose the most money on high-frequency, high-severity claims driven by severe weather (wind, hail, hurricanes, wildfires), auto accidents involving bodily injury, fire/lightning damage, and rising litigation/fraud. Coastal regions, wildfire zones, and areas with high repair costs dominate these massive payouts. iT IS A KNOWN FACT THAT INSURANCE COMPANIES USE THAT ZIP CODE BULLSHIT ON POOR BLACKS TO RECOUP THEIR LOSSES FROM HIGH END FREQUENT CLAIMS FROM HIGH END FUCKIN ZIP CODES...I GOT THE DATA AND THE FACTS TO PROVE IT, DEAR