This article on compensation to blacks who were discriminated against by insurance companies that sold them policies quotes a retired Wayne State professor. Dr. Arthur Johnson, 79, a former president of Detroit NAACP and retired Wayne State University professor and administrator, said the higher auto and homeowners insurance rates paid by those who live in urban areas are discriminatory in nature. \"Cities like Detroit have paid higher premiums than customers who live in predominantly white communities,\" Johnson said. \"They say they are not discriminating, when in fact they are charging residents of the city a higher rate.\"