4 ms·

You realize you just said "it's legal because it's legal", right?

• dragonwriter 7y ago
  Well, I mean, if you'd rather a political than a mechanics-of-law explanation as to why the law treats two situations differently mo, it's legal because heterosexual couples plus women outside of such couples combine to form a powerful voting bloc, and gender rating, compared to it's absence with no other change in practice, is a benefit to that group. Specifically, compared to perfect allocation of costs, it's a small subsidy from people outside of opposite-sex couples to opposite-sex couples, whereas not having gender rating with otherwise status quo policies is a large subsidy from women not in opposite-sex couples to men not in opposite-sex couples. Under status quo policies, opposite sex couples are in practice fairly free to gender-optimize insurance pricing by putting the less expensive to insure driver as primary on the more expensive to insure vehicle, regardless of actual primary driver.
• deleted 7y ago
  [deleted]