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He has been penalized, he has 3 points. People with 3 points are more likely to get more points than someone with no points, statistics like these are the way t

He has been penalized, he has 3 points. People with 3 points are more likely to get more points than someone with no points, statistics like these are the way that insurance companies make money.

fransje26 3y ago
That's exactly missing the point. He's got 3 points, and so? That's none of the insurance company's business. It's between a driver and the road authorities. Statistically, a non-negligible proportion of medication prescribed to the general population can have an impact on cognitive abilities, and, de facto, make them worse drivers. Yet, car insurance companies are not privy to a driver's medical history. For a good reason: breach of privacy. My argument is that points on a license fall under the same category: privacy, and not-their-business. Then again, they also had insurances in the UK inviting drivers to install phone apps to monitor their driving, and set their premiums accordingly. So, if a country thinks that's absolutely fine, well, what to say..
- flir 3y ago
  Sounds like you want the government to intercede in private contracts. Make insurance companies asking you how many points you've got illegal.
- hnfong 3y ago
  Sounds backwards that somebody can break the law and claim it's their private matter.
  - fransje26 3y ago
    Wow.. I guess Police States are not lost on everybody.. Even if traffic violations fell under criminal law, and most of them don't, it still would remain a private matter. Private companies simply have no right to a person's criminal record, full stop.
    - abenga 3y ago
      People who regularly exhibit risky behaviour should not be allowed to increase the risk premium of the entire population without paying a proportionally larger amount. Especially for harmful, yet pointless behaviour like driving too fast on public roads, endangering everyone.
    - sokoloff 3y ago
      Turn it around then. Charge everyone 2x the current average. Give 50% discounts for voluntarily demonstrating to the insurance company a clean driving record. Same effect, extra pain in the ass.

He has been penalized, he has 3 points. People with 3 points are more likely to get more points than someone with no points, statistics like these are the way that insurance companies make money.

fransje26 3y ago

That's exactly missing the point. He's got 3 points, and so? That's none of the insurance company's business. It's between a driver and the road authorities. Statistically, a non-negligible proportion of medication prescribed to the general population can have an impact on cognitive abilities, and, de facto, make them worse drivers. Yet, car insurance companies are not privy to a driver's medical history. For a good reason: breach of privacy. My argument is that points on a license fall under the same category: privacy, and not-their-business. Then again, they also had insurances in the UK inviting drivers to install phone apps to monitor their driving, and set their premiums accordingly. So, if a country thinks that's absolutely fine, well, what to say..

flir 3y ago
Sounds like you want the government to intercede in private contracts. Make insurance companies asking you how many points you've got illegal.
hnfong 3y ago
Sounds backwards that somebody can break the law and claim it's their private matter.
- fransje26 3y ago
  Wow.. I guess Police States are not lost on everybody.. Even if traffic violations fell under criminal law, and most of them don't, it still would remain a private matter. Private companies simply have no right to a person's criminal record, full stop.
  - abenga 3y ago
    People who regularly exhibit risky behaviour should not be allowed to increase the risk premium of the entire population without paying a proportionally larger amount. Especially for harmful, yet pointless behaviour like driving too fast on public roads, endangering everyone.
  - sokoloff 3y ago
    Turn it around then. Charge everyone 2x the current average. Give 50% discounts for voluntarily demonstrating to the insurance company a clean driving record. Same effect, extra pain in the ass.