Insurance simply sees that more shit happens to your car if you live downtown. They aren\'t out to help the needy, they are there to make money, and you can\'t make money if you are constantly paying for screwed up cars in the city. They aren\'t racists pigs going, "hehe, look I get to fuck over black people." They are just going off of statistics. Is it right? probably not, but they aren\'t in it for charity, they want to make money.
Oh and I\'d like to see that article about the insurance claim investigation going on in Detroit. Not saying I don\'t believe you, but it would completely invalidate my post.