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PaperclipPerfector  1yr ago (text post)   30137 thread views

Culture War Roundup for the week of November 13, 2023

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What are the rules around pricing car insurance? I can guess some things are disallowed (e.g. race), but if someone started an insurance company that had a model that took in educational attainment, job, health records, home ownership, social media use, real time driving information, etc to offer lower rates to people who are predictably less risky, would that be allowed?

I get a substantial discount for allowing my insurer to use real-time driving information and(through a back door- that’s what ‘bundling’ is) for being a homeowner.

Years ago insurance providers in Ireland were legally allowed to discriminate on the basis of sex (as women have fewer accidents than men) but not anymore.

Was it really fewer accidents or less severe accidents? From what I last read, women get in more minor fender benders but men dominate the car-totaling jaw-of-life-required accidents.

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