One of the underwriting questions in auto insurance is gender. Studies have shown that single males under 21 are among the highest risk pool for auto insurance. If a single male in this age group decides to change his gender from male to female and his personal pronoun from a he to a she.
How will the insurance underwriter rate this risk? They know that he is John but he decides that he is a she and is called Joann. Are there any liability issues for the insurance company if they rate him as a male but he says he is a female?