QUOTE(lot49 @ Jul 14 2006, 03:44 PM)
Just my $0.02, but I've always thought that giving men higher premiums, even if based on statistics, is very unfair and should be illegal. If it were the other way around, I'd be screaming bloody murder. Inexperienced and bad driving record I understand.
I couldn't agree more. When I first started driving, I DID scream bloody murder. I was as cautious as anyone, adhering to the road rules to a pedantic extent, but those loathsome insurance companies ASSUMED that I would hotrod and drive like an idiot just because I was a teenage male. I didn't care if it was based on statistics; I knew how I drove and they couldn't have been more wrong.
It also angered me that these insurance companies (legal robbers, as far as I'm concerned) lobbied to get the no-fault law passed, so that everyone has to buy insurance, thus they can jack up the prices to even more absurd rates and there's nothing you can do about it. If you do wreck or get a ticket, they simply jack up your rates even higher so they get all their money back and then some anyway. The only way they can possibly lose money on a customer in the long run is if he or she gets sued for millions of dollars or something. Considering how rare that is, and how commonly customers pay hundreds, sometimes thousands of dollars per year without any claims, they can't lose.
I fumed about this much longer than what would be healthy, but I couldn't help it. Discrimination hurts. To this day, after years of driving, I have never had an accident or traffic violation. I think you can guess where they can shove their statistics as far as I'm concerned.
I loved the band-aid thing! It's funny how easy it was to get the ideas they were conveying without understanding a word they were saying. I'll definitely keep it in mind next time I cut myself. Thanks, Angelle!