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If car insurance had to cover a 6+ figure operation replacing an old engine that was was seized up because of poor maintenance, it would make financial sense to
by fooey 10y ago
If car insurance had to cover a 6+ figure operation replacing an old engine that was was seized up because of poor maintenance, it would make financial sense to cover oil changes as a preventative measure.
A health disaster is several orders of magnitude more expensive than an automotive disaster, and you can't just total out a human being and pick up a new one at the local dealership if it's too expensive.
Preventative maintenance is a money saver long term.
- pravda 10y ago"Annual physicals" in asymptomatic individuals are known to be a useless waste of money and time. https://sciencebasedmedicine.org/re-thinking-the-annual-physical/ https://sciencebasedmedicine.org/re-thinking-the-annual-phys...
- gleb 10y agoBy that logic car insurance would cover brake service.
- drodgers 10y agoHuman error causes >90% of car crashes (https://cyberlaw.stanford.edu/blog/2013/12/human-error-cause-vehicle-crashes https://cyberlaw.stanford.edu/blog/2013/12/human-error-cause...), so brake maintenance is a very inefficient way to reduce insurance risk. Instead, insurers penalise people based on their history of crashes (or — more importantly to the insurers — claims). The market is actually working well in that case.