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Started By
Message
Do auto insurance companies still charge more for boys than girls?
Posted on 3/23/24 at 1:06 pm
Posted on 3/23/24 at 1:06 pm
..and, if so, how do they get away with it without a lawsuit coming their way?
My other question: Does a trans (girl that thinks it’s a boy) say they are female on their auto insurance policy to claim a lower rate?
My other question: Does a trans (girl that thinks it’s a boy) say they are female on their auto insurance policy to claim a lower rate?
8
Posted on 3/23/24 at 1:08 pm to Blutarsky
quote:
and, if so, how do they get away with it without a lawsuit coming their way?
Because they have actuarial tables that show the higher risk boys have than girls. It’s the same as charging more for flood insurance for being in a flood zone. Higher risk.
Posted on 3/23/24 at 1:09 pm to LSU2ALA
But they can claim they were misgendered at birth and say female on the policy.
Posted on 3/23/24 at 1:09 pm to LSU2ALA
quote:
Because they have actuarial tables that show the higher risk boys have than girls. It’s the same as charging more for flood insurance for being in a flood zone. Higher risk.
What if the boy identifies as a girl?
Posted on 3/23/24 at 1:10 pm to Blutarsky
quote:
But they can claim they were misgendered at birth and say female on the policy.
Don’t see that working for them.
Posted on 3/23/24 at 1:14 pm to Blutarsky
Men also drive more.
Because we work more hours.
Because we work more hours.
Posted on 3/23/24 at 1:24 pm to Blutarsky
When I was coming up you had to turn 26 for your rate to go down. That for for a single male. When my son turned 26, single, twenty-three years ago his rate didn't go down. Called the agent and found out it had been raised to 30. I said WTF. He said single males were more liable to get tickets and have wrecks because they were on the road more chasing girls.
I told him you don't know the married guys I work with.
I told him you don't know the married guys I work with.
Posted on 3/23/24 at 1:24 pm to LSU2ALA
quote:
Because they have actuarial tables that show the higher risk boys have than girls
Do they have actuarial tables showing higher risk for races?
Posted on 3/23/24 at 1:25 pm to Blutarsky
Did you find out who cost insurance companies more?
Posted on 3/23/24 at 1:28 pm to Blutarsky
Yes. Boys get in more accidents, have more serious accidents, damage more property, etc. Insurance is a business.
Posted on 3/23/24 at 1:32 pm to Blutarsky
For a while, at least, they charged more for girls. Girls started texting more with the advent of smartphones and getting into more accidents.
Posted on 3/23/24 at 1:34 pm to Turnblad85
quote:
Do they have actuarial tables showing higher risk for races?
They probably should, but almost certainly don't.
Posted on 3/23/24 at 1:35 pm to Blutarsky
We were told by our insurance agent that they actually charge more for girls now than they do boys due to the fact that females drive distracted more often than male
Posted on 3/23/24 at 1:36 pm to papasmurf1269
That wouldn’t be shocking at all.
Posted on 3/23/24 at 1:41 pm to Turnblad85
quote:
Do they have actuarial tables showing higher risk for races?
but I doubt it.Posted on 3/23/24 at 1:58 pm to jawnybnsc
quote:
Yes. Boys get in more accidents, have more serious accidents, damage more property, etc. Insurance is a business.
There are lots of businesses that are not allowed discriminate based on race OR gender. By lots, I mean EVERY SINGLE ONE except insurance.
Posted on 3/23/24 at 2:10 pm to Turnblad85
quote:
Do they have actuarial tables showing higher risk for races?
No.
But rate filings with the state department of insurance are based on losses to specific zip codes.
Posted on 3/23/24 at 2:11 pm to Turnblad85
quote:
By lots, I mean EVERY SINGLE ONE except insurance.
Life insurance does the same.
Health insurance used to do it before ACA. Now, everyone is lumped together in an age band. I don't even think health insurance rates (approval maybe... rates no) are affected by smoking.
Posted on 3/23/24 at 2:14 pm to dstone12
quote:
Men also drive more.
Because we work more hours.
I park my car when I’m at work, whether I’m there for 20 minutes or 8 hours.
I also drive a lot more when I’m not working than while I’m at work.
Posted on 3/23/24 at 2:16 pm to 4cubbies
quote:
I also drive a lot more when I’m not working than while I’m at work.
Gettin that dickkkk
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