Originally Posted by sndrsk
They don't try to find out ways to "pay out less," they just investigate claims so they don't pay out on losses that aren't warranted. There is a ton of potential for fraud in commercial insurance.
Since this thread has now gone completely off topic, I thought I would jump into the fray.
Insurance companies certainly do find ways to pay out less - this is why they ask you health questions before life insurance, check your driving record before offering you automobile insurance and ask you if you live within 500 feet of a fire hydrant when purchasing home insurance. If their algorithm spits out that you are more likely to make a claim, they either refuse coverage or up your premiums to the point where, statistically, they are likely to make more than they will pay out.
The company insuring these car washes is doing the same thing. For whatever the underlying cause, their algorithm has calculated these specific models are more likely to be involved in an accident than others. Alternatively, the legal representation from the car wash(es) could have made the same assessment - the risks associated with washing these vehicles is greater than the money they make washing them.
Just the way it is. Doesn't mean that the car wash industry is out to get Chrysler, or that Toyota paid the car was companies to keep their unintended acceleration problems out of the limelight. It also doesn't mean that these vehicles are any less safe. All that it says is that someone, somewhere has decided its not worth it to wash them.
And for the poster who stated statistics have nothing to do with anything - I assure you, many, many decisions (both big and small) are made following statistical analysis of the relevant data. Whether it is deciding if a drug is safe to go to market, or whether the peanuts should be grouped with the popcorn or the potato chips in the supermarket - someone has analyzed the data using statistical methodology to draw inference from a small study to the general population as a whole. This is how informed decisions are made.