3 ms·
>how men feel about women driving is not really a motivator for actuaries at insurance companies who have statistics on male versus female accidents That's my
by vba616 3y ago
>how men feel about women driving is not really a motivator for actuaries at insurance companies who have statistics on male versus female accidents
That's my point. That's my entire point. Well, that and that women are reportedly more vulnerable in accidents too, because of deficiencies in crash testing. It doesn't change the fact that insurance premiums are lower because losses are lower.
When there are enough autonomous vehicles on the road for long enough to generate data for the actuaries, there is no guarantee that insurance rates will bear out the benefit of their purported abilities.
Some asshat weaving through traffic in a BMW can claim to have better reflexes, better brakes, all sorts of things, compared to my grandma, but there is no logical reason why he can claim to be a safer driver if in the long run, his insurance rates are higher. Assuming those rates reflect average losses.
- satvikpendem 3y agoWhy are we talking about insurance at all? I assume with autonomous vehicles, insurance rates will tend towards 0 over time. We are talking about net deaths, it doesn't matter what the insurance rates are as long as we count the number of deaths before and after autonomous vehicles, and if the latter is fewer than the former, then that's a net good. Again, if AVs are truly better, this will be reflected in their statistics and therefore whatever the actuaries see.
- vba616 3y agoWhy are prices useful at all? Insurance rates are an imperfect measurement that has the advantage of being less subject to arbitrary narratives of some individual or interest group. They're also a way of quantifying the severity of the accident in a way that it's hard to deduce from a data set such as the government collects. Experts may be able to figure out what the data means, but how can we know if the experts are correct without something independent?
- satvikpendem 3y agoI mean, sure, let's take insurance rates too. As I said, I assume due to autonomous vehicles that will trend towards 0, so what useful information does that tell you? That autonomous vehicles are safer, if that actually does happen. I don't understand the overall point you're making, are you saying AVs are not safer than humans? Because if so, I'm not sure why one would believe that.
- deleted 3y ago[deleted]