Insurance companies charge a person a different rate from someone else because of a difference in sex or age. Do you think this is ethically ok?

Hypothetically, if it was proven that black people cause more accidents and cost the insurance companies more than other races, would it be "ok" to charge them more insurance? If not, what is the difference between discriminating sex or age, and race?

/finish complaining from a young male

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Originally posted by pkcRAISTLIN dont argue with the yanks nutter, they know best!

wtf 2 forums?

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Thought it'd be interesting to see if there would be a difference of opinions

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Originally posted by pkcRAISTLIN dont argue with the yanks nutter, they know best!

chinese women.. thats the worst catagory of drivers



wait.. old chinese woman hahhaah

Gimme one valid reason why I should pay at least 2x - 3x my rate to pay the same as yours?

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Originally posted by eROs.au Insurance companies charge a person a different rate from someone else because of a difference in sex or age. Do you think this is ethically ok? Hypothetically, if it was proven that black people cause more accidents and cost the insurance companies more than other races, would it be "ok" to charge them more insurance? If not, what is the difference between discriminating sex or age, and race? /finish complaining from a young male

Your rate is based on so many factors that just one factor such as age or sex has only a minor affect on the rate. Basically the insurance rate is going to be based on the probability that you will get into an accident and have to take funds out of the pool of money that is set aside for claims. If there was enough statistical evidence to show that a certain ethnic group has more accidents then I think the insurance companies should include that in determining your rate.

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Last edited by Moral Hazard on Apr-26-2011 at 07:48

give me 1 reason why Michael Moore hasn't made a movie on this

and I shouldn't have to pay shit. If someone crashes into my car, we can settle it like men without poindexter pecil pushers.

and yes, I am a perfect driver.

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Originally posted by eROs.au /finish complaining from a young male

It's because the majority are crap drivers who think you're far better than they actually are, liable to show off and take a lot of risks. Statistically, not individually this is completely correct.
I'm not paying for anyone else's mistakes, I pay enough taxes for that...

they also charge you more depending on where you park your car at night [in the ghetto.. or where alot of cars get broken in to.]

The color fo ur car.. I believe red gets charged more money.

It's fuking bull shit. In the process of changing my insurance to new york and i think i can cry at how much more i'll be paying.

wack!

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I think it mostly depends on the value and safety of the car itself. If its a BMW they will charge you a lot more than lets say a ford. Also if you have 6 airbags, abs, some extra fancy safety shit you will get charged less.

Insurance here is fucking crazy, especially for the leased cars.

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Originally posted by bas we're just rolling in that sweet sweet Beatport chedda SON. I PUT DIAMONDS IN MY SALT SHAKER SO I CAN HAVE CRUSHED DIAMONDS ON MY FOOD...it makes my dookie twinkle!!!

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Originally posted by leph555 I think it mostly depends on the value and safety of the car itself. If its a BMW they will charge you a lot more than lets say a ford. Also if you have 6 airbags, abs, some extra fancy safety shit you will get charged less.

it depends on a lot of things.

yes, it would absolutely be fair for them to charge more or less based on race, just as it is that they do so based on age & sex now.

insurance isnt necessarily more expensive for a BMW than it is for a Ford. if you think that your an idiot. my subaru costs more than a jeep grand cherokee. realize that every car is assigned a rating without the color choice factored in. then you factor the color choice in, the drivers history, the age, sex, race, number of years licesnsed, place the car is garaged and any accidents that were not reported to dmv. then they determine your rate.

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