sigh.... woman driver.......

[unknownuza13]

Li this is exactly what Angie did with her car.

 

[Ang]

men are worse because they are cocky, arogant, and are more likely to take risks, speed etc on purpose, which is why they are more dangerous and have more fatalities. womens crashes are usually from manouvers from parking, or opening doors onto other cars, or going into the back of someone.

If thats the case, i would much rather get hit by a woman driver. I'd rather have a fender bender in the parking lot than get creamed by a testosterone crazed teenager racing in his rice rocket

 

[RowingMunkeyCU]

The reason they generalize is because based on the accident numbers guys are much more likely to race and speed, get behind the wheel while drunk, etc.. Same thing is done by ages, as younger kids are much likely to do stupid things while having less experience driving. Similarly if you get a two door sports car your insurance would be higher than a mini-van because chances of a person racing on a mini-van are very slim unlike a sports car.
Having similar laws to Germany would be awesome, having an Autobahn would be awesome too!

don't get me wrong... i totally understand why rates are the way they are, statistics and trends predicting future occurrences, or lack thereof (my math minor kicking in ). it's still annoying for responsible drivers to have to pay for the faults of the bad ones, and the new thing for reducing the deductible of good drivers is a step in the right direction for a few insurance companies.

the fact is, no one likes to pay for insurance. it's like walking around and saying, i bet you $100 that i get into an accident this month with 1:1000 odds. the odds suck, and the stipulation on the payout is so ridiculous, you're lucky if you get it in the first place.

the irony is that i work for an HMO too...