undefined | Better HN

0 pointsangry-hacker9y ago0 comments

Which made the insurance for women, who are traditionally safer drivers because not taking unless risks, go up. Well facts can't be racist but they are at the same time.

0 comments

jtbigwoo9y ago

Auto and life insurance are usually more expensive for men, but health insurance is usually more expensive for women. It would be interesting to see who comes out ahead overall.

mtgx9y ago

But if you were a man who was an excellent driver, would you like it that you get to pay more just because you were born into a gender that was "more reckless"?

Plus, women want equal rights, so why not be equal in this, too?

I think for things like insurance, or healthcare taxes (the model adopted by most countries) it's fair to normalize the price for everyone. Otherwise, the system doesn't really work.

witty_username9y ago

Price of insurance is not a right.

It is not fair to normalize the price. It penalizes people who are healthy and good drivers (for example not smoking and speeding).

mcbits9y ago

The whole purpose of insurance is to normalize the price. Without insurance, people who take the most risks with their health/driving would be more likely to pay (or at least owe) millions, while the health-conscious and risk-averse would generally pay much closer to $0 (until they get old or unlucky).

It's interesting that insurance premiums can act as behavioral incentives in some cases, but I doubt it has ever led someone to change their gender or race.

1 more reply

j / k navigate · click thread line to collapse