Insurance companies expend a great deal of money and resources divining the risk tables they use to rate their customers.If you disagree with their assessments, take it up with them.
You said -- "Insurance companies expend a great deal of money and resources divining the risk tables they use to rate their customers.If you disagree with their assessments, take it up with them."
So, are you saying that they've -- in fact -- assessed the people of the State of Oregon a higher rate for their rugged environment. I didn't quite understand, from your answer, if that's what they're doing.
I hear about all sorts of people being injured and killed, on the mountains, on hiking trails, on a drive out in the woods, in a fishing boat -- in fact doing just about everything in the state, come to think about it.
Regards,
Star Traveler