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So car insurances shouldn't account for past driving experience? Are you talking private insurance or socialised risk mitigation? The goal of private companie

So car insurances shouldn't account for past driving experience? Are you talking private insurance or socialised risk mitigation? The goal of private companies is to make profits. There is space and use cases for both models. Of course large private companies put efforts into making people believe that's not the case.

polygamous_bat 3y ago
> So car insurances shouldn't account for past driving experience? Do you understand why discriminating job applicants based on race/sex is illegal but not based on GPA? One is something you were born with. Another is something that you did.
- lotsofpulp 3y ago
  All the evidence I have seen points to “what you were born with”, including the parent(s), family, neighborhood, etc to be very heavily correlated with GPA.
  - genewitch 3y ago
    Right, but for some reason it lets claim the moral high-ground. Right now individual taxes account for more revenue than all companies combined, perhaps barring payroll taxes. Socialize medicine, please. A million dollars for a cancer treatment is insanity, when nearly 50% of the US population will get cancer at some point in their lives.
- dorfsmay 3y ago
  Should we private insurance on "something you're born with" based risks?
lacrimacida 3y ago
Don’t compare car insurance with health insurance. Past driving incidents are perfectly okay to take into consideration for car insurance, some people need incentives to drive safely. But genetics is nothing people can change, it’s fixed.
- Chris2048 3y ago
  This all assumes two perfectly definable categories of characteristic - fixed, unchangeable category, and incentiv-isable behaviour / changable category. It's not always that clear e.g. genetic disposition to alcoholism is linked to actual alcoholism and related behaviours.
- dorfsmay 3y ago
  I agree, and that's my point. Should we have private insurances for genetic based risks? Is there a point of private health insurance?
  - bugglebeetle 3y ago
    No.
ekianjo 3y ago
> So car insurances shouldn't account for past driving experience? Nope, they should not. That's exactly the kind of things that ends up bringing prices up for everyone in the end.

polygamous_bat 3y ago

> So car insurances shouldn't account for past driving experience? Do you understand why discriminating job applicants based on race/sex is illegal but not based on GPA? One is something you were born with. Another is something that you did.

lotsofpulp 3y ago
All the evidence I have seen points to “what you were born with”, including the parent(s), family, neighborhood, etc to be very heavily correlated with GPA.
- genewitch 3y ago
  Right, but for some reason it lets claim the moral high-ground. Right now individual taxes account for more revenue than all companies combined, perhaps barring payroll taxes. Socialize medicine, please. A million dollars for a cancer treatment is insanity, when nearly 50% of the US population will get cancer at some point in their lives.
dorfsmay 3y ago
Should we private insurance on "something you're born with" based risks?

lacrimacida 3y ago

Don’t compare car insurance with health insurance. Past driving incidents are perfectly okay to take into consideration for car insurance, some people need incentives to drive safely. But genetics is nothing people can change, it’s fixed.

Chris2048 3y ago
This all assumes two perfectly definable categories of characteristic - fixed, unchangeable category, and incentiv-isable behaviour / changable category. It's not always that clear e.g. genetic disposition to alcoholism is linked to actual alcoholism and related behaviours.
dorfsmay 3y ago
I agree, and that's my point. Should we have private insurances for genetic based risks? Is there a point of private health insurance?
- bugglebeetle 3y ago
  No.

ekianjo 3y ago

> So car insurances shouldn't account for past driving experience? Nope, they should not. That's exactly the kind of things that ends up bringing prices up for everyone in the end.