LogFAQs > #900710352

GreenKnight127 posted...

We don't have the manpower, time, or money to run a detailed diagnostic on each insurance holder?

Um, completely removing the driver's gender from the equation would be, like, the easiest thing in the world to do.

It would, but then everyone pays more across the board. You're asking to have your more careful personality taken into account. That's highly impractical for a new driver, and happens anyway as you spend more time driving and have a more concrete, personalized basis for determining your risk level.

Zeus posted...

Which again comes back to my earlier observation -- health insurance companies statistically determined that women consume more services than men and, as such, want to charge them more. However, that's illegal on the basis of discrimination. Why shouldn't auto insurance discrimination against males receive that same treatment?

A number of reasons:

-That difference applies across an entire lifetime, whereas the gender-based difference in car insurance evens out as one accumulates a driving record
-People who are applying for health insurance have medical histories already, providing more salient variables that insurance companies can consider. New drivers don't yet have driving records to consider
-Not having health insurance kills people. Not having car insurance makes people take the bus.

Again, I wouldn't be opposed to giving car insurance the same treatment, but it's understandable that it hasn't happened.
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