Originally Posted by
rickair7777
Probably true, although the frenzied soccer mom who's doing mascara, texting and drinking a quintuple frapacino while steering with her knee is probably a close second.
In my day it was the teenage boys. But now they don't even really care about the DL, to say nothing of hot-rodding a car.... had to cut mine off from rides to school and activities to get him to finish the thing, over year after he was eligible. I was standing at the DMV door at 0800 on my 16th birthday.
That’s my point.
Things have changed, and the insurance companies are still getting away with punishing people who aren’t responsible.
The way it should work is this:
Everyone should start with a flat rate. If a person remains safe, that rate should remain the same. If they get a bunch of tickets or get into a bunch of wrecks, jack up that individual’s rates! Make them so high that they have to take an Uber. Get their stupid ass off the road.
I know of a few teen guys who did dumbass stuff blazing down the road real fast in a mustang daddy was dumb enough to give them, or in a 65k jacked diesel truck.
I also know of teen girls who keep texting after their 12th wreck.
Idiots are idiots. Gender shouldn’t matter. There’s no shortage of damned fools on the road, and it’s not right for safe drivers to subsidize their stupid asses. Make it expensive for the idiots. So expensive that after the first couple of screw ups, they can’t afford to drive.
I was a very careful driver. Still am. Never had a wreck or ticket as a teen, but I was still paying insane rates to cover the idiots who kept screwing up-and of course, the shareholders of these crooked insurance companies.
Auto insurance isn’t about coverage individual risks. It’s about maximizing profits-for the ins companies and the scumbag lawyers who game our tort system