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0 pointsgiantrobot1y ago0 comments

> You are paying for the insurance companies increased risk because the people around you can’t drive worth shit.

Insurance companies are supposed to be creating risk pools. If everyone in my zip code drives like shit the insurance company should be splitting them up into pools with better drivers from other areas. There's no reason at all to pool everyone geographically. If the insurance company can't manage risk pools they're fucking up.

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supertrope1y ago

You can lobby your politicians to mandate coarser rating territories. This will ironically increase premiums more than they otherwise would be. Just like banning credit, gender, homeownership, occupation, etc.

j / k navigate · click thread line to collapse

0 pointsgiantrobot1y ago0 comments

> You are paying for the insurance companies increased risk because the people around you can’t drive worth shit.

0 comments

supertrope1y ago

j / k navigate · click thread line to collapse