No, I do. Please elaborate on what you think I'm missing...
Any figures on how much extra we all pay when someone does't wear their seatbelt?
No, I do. Please elaborate on what you think I'm missing...
Any figures on how much extra we all pay when someone does't wear their seatbelt?
- Mar 20, 2000
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well, insurance is all about risk pooling. so when someone in your risk group doesn't wear their seatbelt, it increases the risk spread amongst everyone in the pool. when that person gets into an accident and (inevitably) dies or suffers serious injury, the amount of harm that the whole group must bear increases. so your premiums go up because someone else doesn't wear their seatbelt.
and the law should be in place because of the ginormous market failure of people greatly underestimating their risk of getting into an accident.
Do real-life safety statistics warrant an insurance discount for larger vehicles?
- State Farm Insurance, the nation's largest underwriter, will begin offering discounts to drivers of safer automobiles. Critics charge that the plan will "legitimize" larger vehicles that pose a danger to smaller cars. But the new policy actually reflects sound risk management.
Something in addition to lack of seatbelts is wrong with this picture..
Always wear mine, and passengers do too.
Sounds like a problem with insurance to me. What if you have someone who never wears their seatbelt and drives for 20 years with no injuries or accidents, and you have another person who wears their seatbelt all the time, but get's in accidents all the time? Are we talking about auto insurance here, or medical?
Do you work for the insurance industry?
Sad but she should have known better. That's not to say she might have just been doing something and had been unbuckled for only a couple seconds but those few seconds were just enough.
I always wear my seatbelt, can't imagine NOT wearing it quite honestly.
I always wear my seatbelt, can't imagine NOT wearing it quite honestly.
- Mar 20, 2000
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auto covers medical expenses for auto accidents. we could be talking medical as well. either one, really.
if a guy drives around for 20 years without a seatbelt and has no injuries or accidents then he's lucky. he's still been paying a higher premium for the people that don't wear seatbelts and do get in accidents than if those people had worn seatbelts. and your comparison is irrelevant anyway unless people wearing seatbelts as a whole are more likely to get in accidents than people who don't, which i don't think is the case.
and no, i don't work in insurance.
Seems to me you're making a assumption that just because someone might not wear their seatbelt, they will always be more dangerous/injury prone... If 85% of people wear their seatbelts as it is now, are you saying all of those 85% are the safe ones, and the other 15% are not? Seems to me you could have a type of driver who drives aggressive, yet wear his seatbelts, and get's in accidents. Sure, maybe he survives some he wouldn't, but if he keeps doing it, wouldn't he be affecting rates too?
IMO, you still haven't given a good reason why seatbelts need to be mandatory by law. Insurance rates go up for a lot of things..people get in plenty of accidents a year with seatbelts, as well as car theft, etc.
Again, I still think it's a good idea to wear one, I still don't see the justification for it being mandatory by law. Do the states that do not require you to wear a seatbelt have drastically higher insurance costs? It seems like they would by your reasoning... Where does the revenue go from writing tickets for non compliance?
IMO, you still haven't given a good reason why seatbelts need to be mandatory by law. Insurance rates go up for a lot of things..people get in plenty of accidents a year with seatbelts, as well as car theft, etc.
Again, I still think it's a good idea to wear one, I still don't see the justification for it being mandatory by law. Do the states that do not require you to wear a seatbelt have drastically higher insurance costs? It seems like they would by your reasoning... Where does the revenue go from writing tickets for non compliance?
- Mar 20, 2000
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no, i'm assuming that seatbelt wearing isn't an indicator of driving ability. when a person without a seatbelt gets in an accident, they DO suffer much higher injury rates than someone who does not. that is inarguable. and if people don't drive differently whether they wear a seatbelt or not, then one guy living who might not have doens't enter the equation
actually, i did. lemme quote it
if people did consider a realistic rate of getting into accidents, and the cost of those accidents to themselves and their friends/family versus the minor cost of putting on a seatbelt, i don't think anyone would possibly not wear a seatbelt. 'i'm a safe driver' isn't a defense to not wearing a seatbelt.
i dunno, you'd have to ask an actuary. so many things go into insurance rates that it's hard to isolate just one variable without looking at the actuarial tables. could be that even where it isn't an offense that the rate of seatbelt wearing is the same, in which case the law would be ineffective.
i dunno. ideally much of it would go toward more education so that people don't underestimate the costs of not wearing one.
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