The paper suggests a similarity function for applications of empirical similarity theory in which the notion of similarity is asymmetric. I propose defining similarity in terms of a quasimetric. I suggest a particular quasimetric and explore the properties of the empirical similarity model given...

Auto insurers often use credit-based insurance scores in their underwriting and rating processes. The practice is controversial — many consumer groups oppose it, and most states regulate it, in part out of concern that insurance scores proxy for policyholder income in predicting claim risk. We...