[Protagoras]

Over a large domain, people that exercise personal financial responsibility are less likely to have accidents and file claims.

Does that also apply to people who have not established a credit rating?

[af_vet_1981]

Does that also apply to people who have not established a credit rating?

It depends on the domain.

Do you give the keys to your favorite car to any 16 year old boy who happens to have no credit rating ?