You said -- "A person who does regular hiking or boating will not be rated up but a person who skydives, cliffdives, mountain climbs etc most definately will because the likihood of a catastophic accident is significantly greater for people in those groups."
In Oregon, they might reconsider. Waves wash you off rocks, logs are thrown into the air at the beaches, people fall off the hiking trails, some with inches to spare for your footsteps, a quick snowstorm comes in and people die of hypothermia, a fishing boat tumbles in the surf and people drown, you rappell down some rocks and have a "failure" of some sort, you drive up to Timberline Lodge and walk around the lodge and find out you're in a whiteout and can't find the lodge to get back, you go see one of the lighthouses, and you stumble off the trail into the surf, you walk along the rocky surf line and the tide come up and traps you, and you finally get washed out to sea, you go viewing Multnomah Falls and a large bus-sized boulder falls down right in front of you, and it goes on and on.
Are insurance rates higher in Oregon? People must be stupid for living in such a high-risk state, I would imagine.
Regards,
Star Traveler
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.