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Illinois Secretary of State Alexi Giannoulias targets car insurance discrimination

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Illinois Secretary of State Alexi Giannoulias targets car insurance discrimination


Finally, someone is taking insurance companies to task.

Illinois Secretary of State Alexi Giannoulias has drafted a bill that would base car insurance rates on driving records and not socioeconomic factors that can discriminate against consumers.

Under current state law, insurance companies can use data from sources like social media to charge higher insurance premiums based on race, ethnic origin, religion, gender, sexual orientation, age, marital status or a disability.

In Illinois, 70-year-old drivers pay, on average,12% more than 60-year-old drivers, while 75-year-old drivers pay 25% more for a full coverage policy.

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That’s even though a 2020 report from the federal Centers for Disease Control and Prevention found that “older adults are more likely to have safer driving behaviors than other age groups.”

At 74, I likely pay more for car insurance than my adult children and they pay more for car insurance because they have young drivers in their household.

In 2019, Chicago Sun-Times reporter Stephanie Zimmermann found “renting rather than owning a home or working in an unskilled job could mean paying an extra $117 to $175 a year, for car insurance. Living in the ‘wrong’ ZIP code could mean an added $175.”

It always struck me as unfair that insurance companies could consider factors other than my driving record when charging me for something I legally have to purchase. I wondered how insurance companies got away with what appears to be sanctioned discrimination.

“It is perpetuating inequities based on race and income that were formed by inequitable decisions decades ago,” Brent Adams, senior vice president of policy and communication at the Woodstock Institute, told the Sun-Times. “It is kicking people while they’re down in a whole host of ways.”

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The discriminatory practice of charging more for car insurance based on socioeconomic factors also could explain why some people drive without car insurance.

As it is, “U.S. drivers are paying an average of $2,543 annually or $212 per month for car insurance, an increase of 26% from last year,” according to a report from Bankrate, a personal financial management company.

Giannoulias’ legislation is aimed at preventing insurance companies from using consumer information such as credit score, zip code, home ownership status, purchasing habits and level of education to unfairly determine rates.

“The purpose of auto insurance is to protect motorists while they drive; therefore, an individual’s driving record should serve as the primary factor analyzed when setting rates,” Giannoulias said in a news release.

“This emphasis on socioeconomic factors is transparently unfair and discriminatory, leading to less availability and less attainability, especially those from disadvantaged neighborhoods and communities of color,” he said.

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The proposed legislation is sponsored by state Rep. Thaddeus Jones, D-Calumet City, and state Rep. Napoleon Harris III, D-Harvey.

“All motorists should have the opportunity to attain affordable insurance,” Harris said. “There’s no place for discrimination in our state or in our country, particularly in the insurance industry.”

“Completely irrelevant factors like whether you own a home or where that home is located should never be a barrier to your ability to secure insurance and to drive,” Jones said, saying the proposal would provide “an opportunity to make Illinois roads more equitable while keeping them safe.”

We can hope that this kind of discrimination will soon become a thing of the past. But that can’t happen without you.

I’ve received numerous complaints from readers about this very topic, especially as it pertains to age. If you support the plan, let your representative know.

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It’s never too late for change.

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PPP Loan Scandal Busts Joliet Woman Working For Illinois Department Of Corrections: AG Kwame Raoul Reveals

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PPP Loan Scandal Busts Joliet Woman Working For Illinois Department Of Corrections: AG Kwame Raoul Reveals


JOLIET, IL —Attorney General Kwame Raoul issued a press release on Monday is alleging a Will County woman fraudulently received a Paycheck Protection Program (PPP) loan for more than $20,000 while employed by the Illinois Department of Corrections.

The Attorney General’s office charged Jamilah Franklin, 48, of Joliet, with one count of loan fraud of more than $10,000, a Class 2 felony punishable by up to seven years in prison; and three counts of forgery, Class 3 felonies punishable by up to five years in prison. Sentences are ultimately determined by the court. Franklin’s first court appearance is June 18.

“Federal assistance programs served as a lifeline for small businesses and unemployed Americans during the COVID-19 pandemic, and it is unacceptable that government employees would abuse that vital support,” Raoul said. “I will continue to collaborate with other agencies to hold public workers accountable for abusing these programs.”

Attorney General Raoul’s office alleges Franklin was employed by the DOC as a lieutenant when she fraudulently applied for a PPP loan from the U.S. Small Business Administration by falsely claiming she owned a business. According to Raoul’s office, Franklin received $20,516 in 2021 as a result.

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The Attorney General’s office is prosecuting this case based on a referral by the Office of Executive Inspector General and following an investigation by the Illinois State Police Division of Internal Investigation.

“The Illinois State Police pursues any state employee committing criminal behavior and will continue to work with Attorney General Raoul’s office to hold employees accountable and ensure justice,” said ISP Director Brendan F. Kelly.

Raoul’s office has prosecuted dozens of individuals for PPP loan fraud and referred other investigations to the appropriate state’s attorneys for further evaluation.

Deputy Chief Jonas Harger is prosecuting the case for Raoul’s Public Integrity Bureau.





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The Weekly: Illinois detention centers, Canvas breach and AI policies

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The Weekly: Illinois detention centers, Canvas breach and AI policies


The Daily Northwestern · The Weekly: Illinois detention centers, Canvas breach and AI policies   WALLIS ROGIN: Last week, The Daily reported on Illinois legislation defining where “detention center facilities” can be located, Northwestern professors’ policies on artificial intelligence and a Canvas hack that targeted over 9,000 schools. From The Daily Northwestern, I’m Wallis Rogin….



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Thousands of birds could migrate over the Chicago area this week, and here’s how to protect them

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Thousands of birds could migrate over the Chicago area this week, and here’s how to protect them


Thousands upon thousands of birds are expected to cross over Illinois as part of their spring migrations in coming days.

Thursday night saw the highest migration totals of the season so far, but researchers at Cornell believe that Sunday and Monday nights could see even more avian traffic in the skies over the Chicago area, with hundreds of thousands of birds expected to traverse the area.

According to estimates from Birdcast, Sunday night and into Monday morning there could be “medium” activity for migrating birds, with thousands of birds per kilometer flying over the area.

Even more birds are expected to take flight Monday night and into Tuesday morning thanks to favorable weather conditions, with a “high” number of birds expected to take to the skies over the Chicago area.

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According to estimates, up to 383 million birds could be in flight over the central United States during the peak of the migration overnight.

On Thursday night the Chicago area experienced its busiest night of the spring migration season so far, with more than 367,000 birds having been estimated to have passed over Cook County alone.

In all, more than 23,000,000 birds are believed to have crossed the state of Illinois so far during the spring migration.  

Among the primary birds expected to be flying through the area are American Redstarts, Magnolia Warblers, Baltimore Orioles and Indigo Buntings, according to researchers at the CornellLab.

As millions of birds continue visiting the Chicago area, here are some steps that residents can take to keep them safe.

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When do birds typically migrate?

Peak migration for birds over the state of Illinois occurs in mid-to-late May, with hundreds of different species heading north for the summer breeding season.

Those migration flights for songbirds and other species typically take place in the overnight hours. According to experts, birds typically take flight 30-to-45 minutes after sunset, with the greatest number of birds in flight typically seen approximately two-to-three hours later.

When should residents turn lights off?

One of the best ways to help protect birds is to turn off lights during peak migration times.

According to Birdcast, the best time to turn off or dim exterior lights and interior lights is between the hours of 11 p.m. and 6 a.m., when most birds are active.

Bright lights can disorient and attract birds, making them vulnerable to collisions and to predators on the ground, according to the website.

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Hundreds of millions of birds are killed each year in collisions with buildings, and residents and businesses are being asked to do their part to keep the creatures safe.

In addition to turning off unneeded exterior lights, residents and businesses are also asked to dim or turn off lights in lobbies, and to draw blinds to help keep light from escaping through windows.

Finally, exterior lights should be aimed downward and be well-shielded so that birds aren’t attracted to them.

Are there other steps?

Another key step in protecting birds is to bring pet cats inside during overnight hours.

According to the American Bird Conservancy, cats kill an estimated 2.4 billion birds in the United States every year, and during migration season those impacts can be even more devastating, as exhausted birds typically seek refuge in plants and trees to rest on their journeys, making them vulnerable to attack.

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Since cats like to hunt at night, active migrating birds can be a target, leading to experts asking residents to keep animals inside when possible.



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