|
| Thread: Insurance price, equality (gender) |  This thread is pages long: 1 2 3 4 · «PREV / NEXT» |
|
meroe
Supreme Hero
Basically Smurfette
|
posted December 22, 2012 12:16 PM |
|
Edited by meroe at 12:17, 22 Dec 2012.
|
LOL, its a well know and reported fact, that us girlies still earn a hell of a lot less for doing the same jobs as you chest thumping silverbacks!
____________
Meroe is definetely out, sweet
as she sounds sometimes, she'd
definetely castrate you with a
rusted razror and forcefeed
your genitals to you in a
blink of an eye - Kipshasz
|
|
Tsar-Ivor
Promising
Legendary Hero
Scourge of God
|
|
posted December 22, 2012 12:22 PM |
|
|
I'm having second thoughts about castration now, being a man ain't that bad. Still, having a bigger pay doesn't account for the fact that it's still **** pay. >.<
Women are getting paid more than men. (UK) Until they hit forties, but who cares then?! 
____________
"No laughs were had. There is only shame and sadness." Jenny
|
|
meroe
Supreme Hero
Basically Smurfette
|
|
posted December 22, 2012 12:26 PM |
|
|
Well castration can be quite quick, especially if you use two bricks? Just saying.
____________
Meroe is definetely out, sweet
as she sounds sometimes, she'd
definetely castrate you with a
rusted razror and forcefeed
your genitals to you in a
blink of an eye - Kipshasz
|
|
Tsar-Ivor
Promising
Legendary Hero
Scourge of God
|
|
posted December 22, 2012 12:29 PM |
|
|
Not the point, I'm looking at the financial benefits of having balls, to not having them. Not insinuating that women are essentially men without balls, just saying that less testosterone from having no balls ought to counter my likely-hood of causing an accident, thereby saving me dough. However, on the same logic I might also have less pay, since without the necessary testosterone, I'm essentially just a beefed up woman.
____________
"No laughs were had. There is only shame and sadness." Jenny
|
|
meroe
Supreme Hero
Basically Smurfette
|
|
posted December 22, 2012 12:34 PM |
|
|
Well there are plenty of seriously bad female drivers around (without testosterone). I guess the insurance gender bias is just one of those horrible inequalities you guys are just going to have to swallow.
____________
Meroe is definetely out, sweet
as she sounds sometimes, she'd
definetely castrate you with a
rusted razror and forcefeed
your genitals to you in a
blink of an eye - Kipshasz
|
|
Tsar-Ivor
Promising
Legendary Hero
Scourge of God
|
|
posted December 22, 2012 12:36 PM |
|
|
I'm not adept at swallowing, this is an outrage and a travesty, and it needs to be amended.
____________
"No laughs were had. There is only shame and sadness." Jenny
|
|
meroe
Supreme Hero
Basically Smurfette
|
|
posted December 22, 2012 12:37 PM |
|
|
Just swallow already! Honestly its not that bad.
____________
Meroe is definetely out, sweet
as she sounds sometimes, she'd
definetely castrate you with a
rusted razror and forcefeed
your genitals to you in a
blink of an eye - Kipshasz
|
|
Tsar-Ivor
Promising
Legendary Hero
Scourge of God
|
|
posted December 22, 2012 12:38 PM |
|
|
Turns out that I won't need to swallow anything, refer to the OP. Damn, you almost had me fooled.
Albeit, we still pay the same, but at least we're all in the same boat. :3
____________
"No laughs were had. There is only shame and sadness." Jenny
|
|
JoonasTo
Responsible
Undefeatable Hero
What if Elvin was female?
|
|
posted December 22, 2012 03:12 PM |
|
|
Quote:
I mean, you can afford to pay more from the extra 14/20% you earn in wages than us poor, safe, girly drivers.
This is because women don't understand the the value of their time. Men work more overtime and get more wage/hour. Learn your math women, it makes you richer!
____________
DON'T BE A NOOB, JOIN A.D.V.E.N.T.U.R.E.
|
|
Corribus
Hero of Order
The Abyss Staring Back at You
|
|
posted December 22, 2012 03:54 PM |
|
|
@Tsar
Quote:
Since having an insurance is compulsory, and driving without one is prohibited, I ****ing expect them to run it FAIRLY, instead of trying to churn the most money out of people.
So what exactly would be "fair" to you? Everyone pays the exact same premium?
If I have an accident, is it "fair" that my premium goes up?
____________
I'm sick of following my dreams. I'm just going to ask them where they're goin', and hook up with them later. -Mitch Hedberg
|
|
Tsar-Ivor
Promising
Legendary Hero
Scourge of God
|
|
posted December 22, 2012 04:09 PM |
|
|
Yes, at first, but as more is revealed about the individual, the premium should evolve accordingly. Takes work, but at least those lazy ****ers will work for the blood that they leach. (so to speak )
So yes, if you have an accident, your premium should go up, since you have proven that you are not safe enough to pay the same amount as someone with no accidents. (that is of course if you were at fault, if not, then no)
____________
"No laughs were had. There is only shame and sadness." Jenny
|
|
xerox
Promising
Undefeatable Hero
|
|
posted December 22, 2012 04:21 PM |
|
Edited by xerox at 16:22, 22 Dec 2012.
|
Okay, I've changed my mind again. It should be equal because nobody ever has the right to discriminate an innocent individual due to the actions of the guilty.
Are there any holes in that conclusion?
____________
Over himself, over his own
body and
mind, the individual is
sovereign.
- John Stuart Mill
|
|
Corribus
Hero of Order
The Abyss Staring Back at You
|
|
posted December 22, 2012 04:35 PM |
|
|
Quote:
So yes, if you have an accident, your premium should go up, since you have proven that you are not safe enough to pay the same amount as someone with no accidents. (that is of course if you were at fault, if not, then no)
Well, fault is not always easy to determine, and what do we mean by fault, anyway? Suppose I'm driving on ice at normal rate of speed and my car skids and causes a four car pile-up. My insurance premium is going to skyrocket even though it wasn't really my fault. Could happen to anyone. Is that really a good predictor of whether I'm going to be in an accident again? And besides, being in one accident is no guarantee that I'm going to be in another. I just raises the average risk that I will be. According to you it's not "fair" to punish someone for something they are statistically likely to do. Mind: when your insurance rates go up as a result of an accident, it's not because you cost the insurance company money, it's because you are predicted to be more likely to do so again. When your rates go up, you're not being punished for being in an accident and costing the insurance company money, you are being punished for what you are likely to do in the future - even though you haven't done it yet. That's a very important distinction that most people seem to be forgetting.
So.
What we have is these two statements:
Males have higher probability of filing a claim, therefore they have higher premiums.
People who have any kind of accident have higher probability of filing a claim, therefore they have higher premiums.
You think one is fair and the other isn't, even though in both cases the risk class an individual is in may not be under their control. I fail to see how you make a logical distinction between the two scenarios.
|
|
JoonasTo
Responsible
Undefeatable Hero
What if Elvin was female?
|
|
posted December 22, 2012 04:39 PM |
|
|
Kind of a side note but this:
Quote:
Suppose I'm driving on ice at normal rate of speed and my car skids and causes a four car pile-up. My insurance premium is going to skyrocket even though it wasn't really my fault.
is completely your fault.
____________
DON'T BE A NOOB, JOIN A.D.V.E.N.T.U.R.E.
|
|
Corribus
Hero of Order
The Abyss Staring Back at You
|
|
posted December 22, 2012 04:42 PM |
|
|
Sorry, fault was bad choice of word. What I meant was, "not under my control". There's a distinction between something like this and the conscious choice to drive recklessly.
____________
I'm sick of following my dreams. I'm just going to ask them where they're goin', and hook up with them later. -Mitch Hedberg
|
|
xerox
Promising
Undefeatable Hero
|
|
posted December 22, 2012 04:44 PM |
|
Edited by Corribus at 17:05, 22 Dec 2012.
|
What?
1. Men who have never been in an accident get to pay more.
2. People who have already been in an accident get to pay more.
I see a difference.
____________
Over himself, over his own
body and
mind, the individual is
sovereign.
- John Stuart Mill
|
|
Corribus
Hero of Order
The Abyss Staring Back at You
|
|
posted December 22, 2012 05:05 PM |
|
|
Accidents aren't always under your control, and they don't guarantee you'll be in another one. Maleness isn't under your control, and doesn't guarantee you'll be in an accident. In both cases you're paying more for something that is not necessarily under your control and is not a perfect indicator that you'll be in an accident. Same goes for lots of other factors that people are NOT talking about - age, for instance. You pay more when you're under 25 than when you're over 25, no matter if you've had no accidents. Fair? You pay more when you're single versus when you're married, no matter if you've had accidents. Fair? You get better bank loans when you're older and have a credit history. Fair?
____________
I'm sick of following my dreams. I'm just going to ask them where they're goin', and hook up with them later. -Mitch Hedberg
|
|
Tsar-Ivor
Promising
Legendary Hero
Scourge of God
|
|
posted December 22, 2012 05:16 PM |
|
|
Quote:
You think one is fair and the other isn't, even though in both cases the risk class an individual is in may not be under their control. I fail to see how you make a logical distinction between the two scenarios.
A good step in the right direction, nobody said that it's a shining example of a perfect system, but that's how it would work, at first anyway. Baby steps.
In one case I'm being discriminated without much cause, in the other MY ACTIONS instigated a higher premium.
____________
"No laughs were had. There is only shame and sadness." Jenny
|
|
Corribus
Hero of Order
The Abyss Staring Back at You
|
|
posted December 22, 2012 05:17 PM |
|
|
I see, so your solution is to just abandon risk analysis in favor for emotional approach, and punish everyone to cover the cost of people who are in higher risk categories.
Sounds like a great idea. 
|
|
xerox
Promising
Undefeatable Hero
|
|
posted December 22, 2012 05:24 PM |
|
Edited by xerox at 17:25, 22 Dec 2012.
|
I think there's a diffrence betwen accidents and gender. You don't get to choose which gender you're born into. You get to choose if you want to get a car or not and if you do, that comes with a small probability that you might get into an accident.
Quote:
You get better bank loans when you're older and have a credit history. Fair?
Yeah, that's fair. What wouldn't be fair is if an old person would get a better bank loan just because that person is of old age.
I didn't understand the ones that were about paying more because you're young or single.
____________
Over himself, over his own
body and
mind, the individual is
sovereign.
- John Stuart Mill
|
|
|
|
