Originally posted by: Ilmater
Originally posted by: MadCowDisease
Originally posted by: Pliablemoose
I respectfully disagree, I think racism is dying off & is much less a factor than it's claimed to be. I'm begining to feel that it's a scapegoat claim and an excuse rather than real.
If the crime statistics & other statistics were different, I might agree. I live in Texas & work with many blacks, I don't see racism in action any longer, in fact, I see the opposite. & I see blacks screwing up their own lives & culture.
This is a common misperception with people who think that the Civil Rights act put an end to racism. It did not. OVERT racism is less common, but we still have problems with systematic patterns of racism throughout the country - it happens when you call up a mortgage company and get X rate, then fill out the form and check "whatever minority" under the form and all of the sudden, the rate has doubled because of 'higher risk' in that neighborhood or some other reason. We have cases of environmental racism where toxic substances and/or toxic waste dumps are allocated next to lower-income neighborhoods, typically lower-income MINORITY neighborhoods. This sort of less-than-obvious racism is still alive and kicking.
Saying that racism is on its way out is simply a way of not confronting an issue which is more than prevalent in today's world and will probably never die out.
Do you understand how insurance works? If you're young, you're more at risk. Yes, I know that racial profiling is technically illegal, but if blacks are more likely to wreck, then they SHOULD pay more. If you prove that you're not a threat, then at some point your rates will go down. Numbers aren't racist, and they don't lie. I don't know the specifics, but if indeed there is a
statistically significant difference between the accident rate of whites and blacks, then the rates should be higher. The insurance company isn't TRYING to be racist, they're just trying to make a profit.
If I were black, I wouldn't like it, I'll admit that. But at the same time, can you logically say it's wrong? I don't like a lot of the ways insurance companies use to find out what rate to charge a person, but at the same time, if being young means you have a higher chance of having a wreck, then race should be no different than any other criteria.
Imagine you're selling insurance to some people. It's just you. There's no company. You don't have a lot of money, but you happen to have enough that you might be able to cover a wreck or two. You don't know these people personally at all. You don't have time to ride with them all the time to see how they drive, and you wouldn't trust them to drive in their normal manner if you did. So how do you know who's more of a risk? This is YOUR money we're talking about. Now if 15% of whites have accidents and 17% of blacks do, I don't know that you could use that for much, but if 15% of whites have accidents in an average year vs. 22% of blacks, I guarantee you'd charge the black person more - assuming the law isn't a factor. Maybe morally you'd feel bad about it, but again, all you have are statistics. The important thing would be to rule out factors such as poverty and geography. If the increase in accident rate in the black community was equal to what you would expect because of the higher poverty rate (or any other factor for that matter, like % living in "bad" neighborhoods), then you ignore race and look instead to these other factors.
If they could predict who would have accidents, then they could charge everyone accordingly, but if not, then they have to (and should) use every other means necessary to determine the propensity for you to get in an accident.