Two insurance companies, Geico General Insurance Company and Safeco, did not violate the law in failing to notify customers that they were being charged more because of a low credit rating. The unanimous decision says that a company’s conduct must be more than “merely careless.” Justice David H. Scouter said a company’s conduct must entail an unjustifiably high risk of harm that is either known to a company or is so obvious that it should have been know.