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Why is car insurance allowed to discriminate for gender but not race?
Why is car insurance allowed to discriminate for gender but not race?
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04-08-2021, 06:48 PM
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#1
- BorderPatrol505
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- BorderPatrol505
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Why is car insurance allowed to discriminate for gender but not race?
They can discriminate and charge you more based on your:
Age
Job title
Gender (men especially under 25 are charged 14x more on average)
Somehow this is legal but it's illegal to discriminate on the basis of race even though numerous studies show that latino and black drivers are 4x more likely to cause an accident
How is one type of discrimination okay but the other isn't? (Btw this is coming from a latino, trying to understand the double standard)
Age
Job title
Gender (men especially under 25 are charged 14x more on average)
Somehow this is legal but it's illegal to discriminate on the basis of race even though numerous studies show that latino and black drivers are 4x more likely to cause an accident
How is one type of discrimination okay but the other isn't? (Btw this is coming from a latino, trying to understand the double standard)
04-08-2021, 06:50 PM
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#2
04-08-2021, 07:16 PM
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#3
- EasternHammer
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- EasternHammer
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Originally Posted By BorderPatrol505⏩
Insurance practices are largely regulated by the individual states. In many states, it is perfectly legal to charge different rates for various kinds of insurance, based on race. This is a good academic paper on the subjecthttps://repository.law.umich.edu/cgi...w_econ_currentThey can discriminate and charge you more based on your:
Age
Job title
Gender (men especially under 25 are charged 14x more on average)
Somehow this is legal but it's illegal to discriminate on the basis of race even though numerous studies show that latino and black drivers are 4x more likely to cause an accident
How is one type of discrimination okay but the other isn't? (Btw this is coming from a latino, trying to understand the double standard)
Age
Job title
Gender (men especially under 25 are charged 14x more on average)
Somehow this is legal but it's illegal to discriminate on the basis of race even though numerous studies show that latino and black drivers are 4x more likely to cause an accident
How is one type of discrimination okay but the other isn't? (Btw this is coming from a latino, trying to understand the double standard)
04-08-2021, 07:19 PM
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#4
- Archangel_Lost
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- Archangel_Lost
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You’re right, insurance should just be controlled by the feds and everyone should be blanket charged an absorbent amount for the lowest common denominator.
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04-08-2021, 07:23 PM
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#5
04-08-2021, 07:24 PM
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#6
- SaviorSelfJT
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- SaviorSelfJT
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These days there's much of a difference in premiums for men vs women.
Thanks to texting and driving, men and women are about equal risk now. srs
Thanks to texting and driving, men and women are about equal risk now. srs
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04-08-2021, 07:27 PM
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#7
04-08-2021, 07:31 PM
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#8
- Jasonw1178
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- Jasonw1178
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There was a study because the group wanted to prove that white males are more aggressive in their driving, more likely to street race, more likely to get drunk and drive because frat parties and such. The idea was to give minorities discounts, but once they collected the data it was the total opposite. The numbers of tickets and DUI's as well as license suspensions was more than twice, of course blame racism, but the accident claims and other claims was even higher than that. At that point the whole thing was scrapped but the info was out there but good luck even finding it because it's pretty much considered racist studies which has been banned on almost every search engine.
04-08-2021, 07:35 PM
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#9
- BorderPatrol505
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- BorderPatrol505
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Originally Posted By Jasonw1178⏩
I do remember something similar. Sure it's gone nowThere was a study because the group wanted to prove that white males are more aggressive in their driving, more likely to street race, more likely to get drunk and drive because frat parties and such. The idea was to give minorities discounts, but once they collected the data it was the total opposite. The numbers of tickets and DUI's as well as license suspensions was more than twice, of course blame racism, but the accident claims and other claims was even higher than that. At that point the whole thing was scrapped but the info was out there but good luck even finding it because it's pretty much considered racist studies which has been banned on almost every search engine.
Samee with crime statistics for the most part.
Having a discussion regarding the crime statistics of different races is completely out of the question too according to google. That's a different topic tho
04-08-2021, 07:40 PM
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#10
04-08-2021, 07:44 PM
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#11
- r32gojirra
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- r32gojirra
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Lmao
Lol if you think insurance premiums aren’t calculated based on your zip code
Or previous claims history
It’s the same as “discriminating” (pricing) based on race
Lol if you think insurance premiums aren’t calculated based on your zip code
Or previous claims history
It’s the same as “discriminating” (pricing) based on race
04-08-2021, 07:48 PM
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#12
04-08-2021, 07:48 PM
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#13
- BorderPatrol505
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- BorderPatrol505
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Originally Posted By r32gojirra⏩
They are calculated on a variety of factors, including those which may have no direct relationship to your personal driving record, hence gender, job, ageLmao
Lol if you think insurance premiums aren’t calculated based on your zip code
Or previous claims history
It’s the same as “discriminating” (pricing) based on race
Lol if you think insurance premiums aren’t calculated based on your zip code
Or previous claims history
It’s the same as “discriminating” (pricing) based on race
04-08-2021, 07:50 PM
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#14
- Jasonw1178
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Originally Posted By BorderPatrol505⏩
A lot of states and don't be surprised if in this administration they try to eliminate race statistics on crime. Not that long ago you could look up neo-nazi webpages on google. It was better because honestly, anyone with a rational mind who saw how these people were would say "oh hell no" even if you agreed with some of their points, they are fanatical. They don't even like most white people, as they are mostly Germanic based and they don't like Anglo Saxon, Celtic, or Slavic whites. Itialians, Greek, and most of Spain is considered black to them. So, basically, there is no "white supremacist" movement because once you start dealing with the fanatics they are fractured to where it's insignificant. Another subject for another thread.I do remember something similar. Sure it's gone now
Samee with crime statistics for the most part.
Having a discussion regarding the crime statistics of different races is completely out of the question too according to google. That's a different topic tho
Samee with crime statistics for the most part.
Having a discussion regarding the crime statistics of different races is completely out of the question too according to google. That's a different topic tho
04-08-2021, 08:05 PM
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#15
- AlwaysFocus
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- AlwaysFocus
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Originally Posted By ShakeBrah⏩
cant have some, its all or none srsYou’re right, they should be able to discriminate any way they want
04-08-2021, 08:06 PM
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#16
04-08-2021, 08:09 PM
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#17
04-09-2021, 01:57 AM
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#18
- lurker654
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- lurker654
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Legality wise idk it's a weird PC world.
From the insurance side, they're using ML to assess risk. So perhaps race is not correlated with risk outcome, and you have more accurate predictions when you use factors such as age, income, history, etc.
Perhaps the differences in risk based on race are explainable due to the above factors mentioned, and so it makes more sense to measure the direct factors, rather than measure race which is at best a proxy for those factors, and doesn't give any new predictive information.
From the insurance side, they're using ML to assess risk. So perhaps race is not correlated with risk outcome, and you have more accurate predictions when you use factors such as age, income, history, etc.
Perhaps the differences in risk based on race are explainable due to the above factors mentioned, and so it makes more sense to measure the direct factors, rather than measure race which is at best a proxy for those factors, and doesn't give any new predictive information.
04-09-2021, 02:13 AM
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#19
04-09-2021, 02:14 AM
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#20
- BorderPatrol505
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- BorderPatrol505
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Originally Posted By lurker654⏩
I can understand how age, income, and history could be indicators of risk obut how is gender and job title specifically more relevant to risk than race? It seems race should be included along with all the other indirect factors which are based on nothing more than stereotypes. Your past driving history is technically the direct factor.Legality wise idk it's a weird PC world.
From the insurance side, they're using ML to assess risk. So perhaps race is not correlated with risk outcome, and you have more accurate predictions when you use factors such as age, income, history, etc.
Perhaps the differences in risk based on race are explainable due to the above factors mentioned, and so it makes more sense to measure the direct factors, rather than measure race which is at best a proxy for those factors, and doesn't give any new predictive information.
From the insurance side, they're using ML to assess risk. So perhaps race is not correlated with risk outcome, and you have more accurate predictions when you use factors such as age, income, history, etc.
Perhaps the differences in risk based on race are explainable due to the above factors mentioned, and so it makes more sense to measure the direct factors, rather than measure race which is at best a proxy for those factors, and doesn't give any new predictive information.
04-09-2021, 02:53 AM
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#21
- Winston56432
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- Winston56432
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Change your gender to women then
https://www.cbc.ca/news/canada/calga...erta-1.4754416
David, who lives in Alberta, says he identifies as a male. But his government-issued identification tells a different story.
It started when an insurance company gave David a quote — roughly $4,500 a year, if he bought the Chevy. He had a collision and a ticket or two on his record, which helped boost the premium.
Then, he had an idea. He asked the insurer what his costs would be if he were a woman. He was told his annual bill would sink to roughly $3,400 — a $1,100 difference.
"I was pretty angry about that. And I didn't feel like getting screwed over any more," he said.
"So I asked them to change my gender on my auto policy, and she's like, we can't do that."
https://www.cbc.ca/news/canada/calga...erta-1.4754416
David, who lives in Alberta, says he identifies as a male. But his government-issued identification tells a different story.
It started when an insurance company gave David a quote — roughly $4,500 a year, if he bought the Chevy. He had a collision and a ticket or two on his record, which helped boost the premium.
Then, he had an idea. He asked the insurer what his costs would be if he were a woman. He was told his annual bill would sink to roughly $3,400 — a $1,100 difference.
"I was pretty angry about that. And I didn't feel like getting screwed over any more," he said.
"So I asked them to change my gender on my auto policy, and she's like, we can't do that."
04-09-2021, 02:54 AM
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#22
- Winston56432
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- Winston56432
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Originally Posted By Winston56432⏩
David shipped the note and other paperwork off to the provincial government. And, a few weeks later, he received a new birth certificate in the mail indicating he was a woman.Change your gender to women then
https://www.cbc.ca/news/canada/calga...erta-1.4754416
David, who lives in Alberta, says he identifies as a male. But his government-issued identification tells a different story.
It started when an insurance company gave David a quote — roughly $4,500 a year, if he bought the Chevy. He had a collision and a ticket or two on his record, which helped boost the premium.
Then, he had an idea. He asked the insurer what his costs would be if he were a woman. He was told his annual bill would sink to roughly $3,400 — a $1,100 difference.
"I was pretty angry about that. And I didn't feel like getting screwed over any more," he said.
"So I asked them to change my gender on my auto policy, and she's like, we can't do that."
https://www.cbc.ca/news/canada/calga...erta-1.4754416
David, who lives in Alberta, says he identifies as a male. But his government-issued identification tells a different story.
It started when an insurance company gave David a quote — roughly $4,500 a year, if he bought the Chevy. He had a collision and a ticket or two on his record, which helped boost the premium.
Then, he had an idea. He asked the insurer what his costs would be if he were a woman. He was told his annual bill would sink to roughly $3,400 — a $1,100 difference.
"I was pretty angry about that. And I didn't feel like getting screwed over any more," he said.
"So I asked them to change my gender on my auto policy, and she's like, we can't do that."
"I was quite shocked, but I was also relieved," he said. "I felt like I beat the system. I felt like I won."
With the new birth certificate in hand, he changed his driver's licence and insurance policy.
All to save about $91 a month.
"I'm a man, 100 per cent. Legally, I'm a woman," he said.
"I did it for cheaper car insurance."
04-09-2021, 11:31 AM
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#23
- BorderPatrol505
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- BorderPatrol505
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Originally Posted By Winston56432⏩
LegendDavid shipped the note and other paperwork off to the provincial government. And, a few weeks later, he received a new birth certificate in the mail indicating he was a woman.
"I was quite shocked, but I was also relieved," he said. "I felt like I beat the system. I felt like I won."
With the new birth certificate in hand, he changed his driver's licence and insurance policy.
All to save about $91 a month.
"I'm a man, 100 per cent. Legally, I'm a woman," he said.
"I did it for cheaper car insurance."
"I was quite shocked, but I was also relieved," he said. "I felt like I beat the system. I felt like I won."
With the new birth certificate in hand, he changed his driver's licence and insurance policy.
All to save about $91 a month.
"I'm a man, 100 per cent. Legally, I'm a woman," he said.
"I did it for cheaper car insurance."
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