Fuck Cars
A place to discuss problems of car centric infrastructure or how it hurts us all. Let's explore the bad world of Cars!
Rules
1. Be Civil
You may not agree on ideas, but please do not be needlessly rude or insulting to other people in this community.
2. No hate speech
Don't discriminate or disparage people on the basis of sex, gender, race, ethnicity, nationality, religion, or sexuality.
3. Don't harass people
Don't follow people you disagree with into multiple threads or into PMs to insult, disparage, or otherwise attack them. And certainly don't doxx any non-public figures.
4. Stay on topic
This community is about cars, their externalities in society, car-dependency, and solutions to these.
5. No reposts
Do not repost content that has already been posted in this community.
Moderator discretion will be used to judge reports with regard to the above rules.
Posting Guidelines
In the absence of a flair system on lemmy yet, let’s try to make it easier to scan through posts by type in here by using tags:
- [meta] for discussions/suggestions about this community itself
- [article] for news articles
- [blog] for any blog-style content
- [video] for video resources
- [academic] for academic studies and sources
- [discussion] for text post questions, rants, and/or discussions
- [meme] for memes
- [image] for any non-meme images
- [misc] for anything that doesn’t fall cleanly into any of the other categories
Recommended communities:
view the rest of the comments
I agree a state monopoly on insurance would probably be beneficial but that doesn't mean we have to get rid of different rates. Riskier drivers need to pay more because they're more likely to take money out of the system. This doesn't mean they have to go into a higher risk pool, it could be just one big pool but balancing money in and money out fairly will require different rates. It's unfair to charge a person who barely drives their 10 year old car the same price as a 16 year old with a Porsche, one of those people is way more likely to have an accident, and a costly one at that, and take out more money from the pool and thus get disproportionate "benefit" for the same price.
They don't need to pay more. It just feels more fair that way, on an individual short term basis.
But when thousands or millions of people are all pooled together, the individual difference in risk gets flattened out to be practically negligible.
To your example of the 16yo with a Porche. When you're young, you get car insurance for cheap. Then as you get older, you pay the same while you're risk that day/month/year goes down. But after your whole lifetime, in the end it's all the same.