Apparently there is an investigation into insurance companies charging
juveniles smoker rates for insurance policies even if they do not smoke.
For
the rate to be lowered the child must prove that they are not a smoker,
which may not be that easy to do. If you check out
https://www.lawyersandsettlements.com/case/juvenile_smokers_insurance
they
have the information on this as well as what can be done about it. There
is
a free case evaluation provided for those who might have experienced such
insurance problems. I hope that this may be of some help.
kr0