The Washington state Insurance Commissioner’s ban on insurer use of credit scoring could result in higher insurance costs for the state’s lower-risk policyholders, according to a recent editorial in The Daily Herald in Everett, Wash.

Written by the Professional Insurance Agents Western Alliance’s Executive Vice President, the editorial explores the unintended consequences of the Commissioner’s policy decision. In fact, Washington’s state lawmakers were unwilling to enact what the Commissioner imposed unilaterally.

Dr. Charles Nyce, Professor of Risk Management and Insurance at Florida State University, explained in a recent video the types of information insurers need to make sure lower-risk policyholders pay less for coverage, and vice versa.