Political Crossfire Forums

Quicksurf · Joined: 06 Sep 2005 Posts: 4675

Do insurance companies have the right to discriminate against young males when it comes to car insurance quotes? Would there be any type of out cry if Asian drivers were discriminated against? Seems like sexism to me, which IMO is just as bad as racism.

Opinions?

XiangYu · Joined: 03 Mar 2005 Posts: 3837 Location: US

Quicksurf wrote: Do insurance companies have the right to discriminate against young males when it comes to car insurance quotes? Would there be any type of out cry if Asian drivers were discriminated against? Seems like sexism to me, which IMO is just as bad as racism.

Opinions?

What is it that Asian drivers do that gives them such a bad rep? Cite some examples please...
BTW, People will always discriminate based on sex, race, religion etc... Some people said that discrimination sometimes is good and necessary. You don't hear people b!tch about discrimination until it puts them at a disadvantage.

Quicksurf · Joined: 06 Sep 2005 Posts: 4675

TwinkieDP wrote: Quicksurf wrote: Do insurance companies have the right to discriminate against young males when it comes to car insurance quotes? Would there be any type of out cry if Asian drivers were discriminated against? Seems like sexism to me, which IMO is just as bad as racism.

Opinions? What is it that Asian drivers do that gives them such a bad rep? Cite some examples please...

It's a stereotype that Asians are bad drivers. I can't site you any sources, because it's a stereotype.

XiangYu · Joined: 03 Mar 2005 Posts: 3837 Location: US

Quicksurf wrote: TwinkieDP wrote: Quicksurf wrote: Do insurance companies have the right to discriminate against young males when it comes to car insurance quotes? Would there be any type of out cry if Asian drivers were discriminated against? Seems like sexism to me, which IMO is just as bad as racism.

Opinions? What is it that Asian drivers do that gives them such a bad rep? Cite some examples please...

It's a stereotype that Asians are bad drivers. I can't site you any sources, because it's a stereotype. Not sources, but examples, have you been cut off by Asian drivers, or have you seen them wait too long at a green light. etc... etc...

Azuresidus · Joined: 19 Jul 2006 Posts: 183 Location: Somewhere Else.

TwinkieDP wrote: Quicksurf wrote: Do insurance companies have the right to discriminate against young males when it comes to car insurance quotes? Would there be any type of out cry if Asian drivers were discriminated against? Seems like sexism to me, which IMO is just as bad as racism.

Opinions?

What is it that Asian drivers do that gives them such a bad rep? Cite some examples please...
BTW, People will always discriminate based on sex, race, religion etc... Some people said that discrimination sometimes is good and necessary. You don't hear people b!tch about discrimination until it puts them at a disadvantage.

I'm thinking that his point is more that generalizations which end up costing one group more than another for the same service are bad than that Asian drivers are any worse than other drivers. And, while it is generally true that people view their own best interests with some special concern, you can find something unfair without being in the disadvantaged group.

That said, of course people will always discriminate. And I am, as a rule, opposed to it, be it based in race, religion, or gender. However, while statistics show that young males are more likely to get into accidents, and maybe even longer, young males will have higher insurance rates. Insurance companies are businesses, they want to make a profit and cover their a**es. I don't necessarily agree with it, and I'm not saying it's fair. It's not fair, but fairness is not their concern. The bottom line is their concern. (Also, probably, any other group would get more attention and draw more disapproval for the policy. Including women. Also something that I dislike.)

patrickt · Joined: 07 Jul 2004 Posts: 1779 Location: Oaxaca, Mexico

However, when women were charged higher health insurance rates because of the stats people screamed.

Azuresidus · Joined: 19 Jul 2006 Posts: 183 Location: Somewhere Else.

patrickt wrote: However, when women were charged higher health insurance rates because of the stats people screamed.

Because discrimination against any other group is more protested. It's wrong; but, in my experience, it's true.

Winchester · Joined: 23 Aug 2005 Posts: 7642 Location: Montana

Quicksurf wrote: Do insurance companies have the right to discriminate against young males when it comes to car insurance quotes? Would there be any type of out cry if Asian drivers were discriminated against? Seems like sexism to me, which IMO is just as bad as racism.

Opinions?

Of course they do. It's a statistic game, young male drivers are statistically by far the worse group for getting in wrecks and costing the insurance company money. Why should older safer drivers have to pick up the slack.

mendosan · Joined: 02 May 2006 Posts: 2735

Winchester wrote: Quicksurf wrote: Do insurance companies have the right to discriminate against young males when it comes to car insurance quotes? Would there be any type of out cry if Asian drivers were discriminated against? Seems like sexism to me, which IMO is just as bad as racism.

Opinions?

Of course they do. It's a statistic game, young male drivers are statistically by far the worse group for getting in wrecks and costing the insurance company money. Why should older safer drivers have to pick up the slack.

In the UK its Asian Female divers who are the most likely to get in to accidents but IMO its wrong to charge you more Insurence because of your Ethnicity. Gender is diffrent because there are so so many more Accidents with young men, than woman.

XiangYu · Joined: 03 Mar 2005 Posts: 3837 Location: US

mendosan wrote: Winchester wrote: Quicksurf wrote: Do insurance companies have the right to discriminate against young males when it comes to car insurance quotes? Would there be any type of out cry if Asian drivers were discriminated against? Seems like sexism to me, which IMO is just as bad as racism.

Opinions?

Of course they do. It's a statistic game, young male drivers are statistically by far the worse group for getting in wrecks and costing the insurance company money. Why should older safer drivers have to pick up the slack.

In the UK its Asian Female divers who are the most likely to get in to accidents but IMO its wrong to charge you more Insurence because of your Ethnicity. Gender is diffrent because there are so so many more Accidents with young men, than woman. When you say Asian, are you talking about people from Pakistan, India region? Because in America, Asian means East Asian more specifically (Korea, Japan, China, Viet etc...).

XiangYu · Joined: 03 Mar 2005 Posts: 3837 Location: US

Winchester wrote: Quicksurf wrote: Do insurance companies have the right to discriminate against young males when it comes to car insurance quotes? Would there be any type of out cry if Asian drivers were discriminated against? Seems like sexism to me, which IMO is just as bad as racism.

Opinions?

Of course they do. It's a statistic game, young male drivers are statistically by far the worse group for getting in wrecks and costing the insurance company money. Why should older safer drivers have to pick up the slack. The way I see it, Insurance is a Scam. Why should I pay for over my life time in case some a certain incident might happen? Instead of putting my money in an insurance company I'd put my money in my private stash. Thats my insurance. But U.S. law states I have to buy Automobile Insurance. WTF!!

perdidochas · Joined: 06 Mar 2006 Posts: 15424 Location: Florida

TwinkieDP wrote: Winchester wrote: Quicksurf wrote: Do insurance companies have the right to discriminate against young males when it comes to car insurance quotes? Would there be any type of out cry if Asian drivers were discriminated against? Seems like sexism to me, which IMO is just as bad as racism.

Opinions?

Of course they do. It's a statistic game, young male drivers are statistically by far the worse group for getting in wrecks and costing the insurance company money. Why should older safer drivers have to pick up the slack. The way I see it, Insurance is a Scam. Why should I pay for over my life time in case some a certain incident might happen? Instead of putting my money in an insurance company I'd put my money in my private stash. Thats my insurance. But U.S. law states I have to buy Automobile Insurance. WTF!!

Its state law, not US law. If you're against it, start lobbying your state legislature to repeal mandatory auto insurance laws. Also, some states allow you to post a bond (Wyoming's is $25,000 dollars) to pay for any accident you cause.

Azuresidus · Joined: 19 Jul 2006 Posts: 183 Location: Somewhere Else.

TwinkieDP wrote: Winchester wrote: Quicksurf wrote: Do insurance companies have the right to discriminate against young males when it comes to car insurance quotes? Would there be any type of out cry if Asian drivers were discriminated against? Seems like sexism to me, which IMO is just as bad as racism.

Opinions?

Of course they do. It's a statistic game, young male drivers are statistically by far the worse group for getting in wrecks and costing the insurance company money. Why should older safer drivers have to pick up the slack. The way I see it, Insurance is a Scam. Why should I pay for over my life time in case some a certain incident might happen? Instead of putting my money in an insurance company I'd put my money in my private stash. Thats my insurance. But U.S. law states I have to buy Automobile Insurance. WTF!!

It's not just your life they are worried about. It's whomever you slam into that they are forcing you to have insurance for. To the best of my knowledge, unless you are paying off a loan or something, only liability insurance is required. (here anyway)

Winchester · Joined: 23 Aug 2005 Posts: 7642 Location: Montana

perdidochas wrote: TwinkieDP wrote: Winchester wrote: Quicksurf wrote: Do insurance companies have the right to discriminate against young males when it comes to car insurance quotes? Would there be any type of out cry if Asian drivers were discriminated against? Seems like sexism to me, which IMO is just as bad as racism.

Opinions?

Of course they do. It's a statistic game, young male drivers are statistically by far the worse group for getting in wrecks and costing the insurance company money. Why should older safer drivers have to pick up the slack. The way I see it, Insurance is a Scam. Why should I pay for over my life time in case some a certain incident might happen? Instead of putting my money in an insurance company I'd put my money in my private stash. Thats my insurance. But U.S. law states I have to buy Automobile Insurance. WTF!!

Its state law, not US law. If you're against it, start lobbying your state legislature to repeal mandatory auto insurance laws. Also, some states allow you to post a bond (Wyoming's is $25,000 dollars) to pay for any accident you cause.

Just for the record, Montana law does not allow for sex discrimination, just age. As I said in a previous post in the lounge a sex discrimination lawsuit was brought against this type of thing. End result young mens rates changed not one bit, young womens rates just increased (significantly I might add) to match the teen boy rate.

TNBiologist · Joined: 31 Jan 2006 Posts: 962 Location: Tennessee

Quicksurf wrote: Do insurance companies have the right to discriminate against young males when it comes to car insurance quotes? Would there be any type of out cry if Asian drivers were discriminated against? Seems like sexism to me, which IMO is just as bad as racism.

Opinions?

It is good business on the insurance companies part. There are stats that show young male drivers have a higher percent of accidents/violations. Why charge old people or young women higher rates if that demograpghic is less likely to cost the insurance company money. I'm of the opinion though that the government most not descriminate but private business should be able to do as they want and reap the consiquences of those actions. If you don't like teh fact that young males are charged more, start a new company or push a current company to change.

mendosan · Joined: 02 May 2006 Posts: 2735

TwinkieDP wrote: mendosan wrote: Winchester wrote: Quicksurf wrote: Do insurance companies have the right to discriminate against young males when it comes to car insurance quotes? Would there be any type of out cry if Asian drivers were discriminated against? Seems like sexism to me, which IMO is just as bad as racism.

Opinions?

Of course they do. It's a statistic game, young male drivers are statistically by far the worse group for getting in wrecks and costing the insurance company money. Why should older safer drivers have to pick up the slack.

In the UK its Asian Female divers who are the most likely to get in to accidents but IMO its wrong to charge you more Insurence because of your Ethnicity. Gender is diffrent because there are so so many more Accidents with young men, than woman. When you say Asian, are you talking about people from Pakistan, India region? Because in America, Asian means East Asian more specifically (Korea, Japan, China, Viet etc...).

Yep didnt think about that.

Enoch · Joined: 29 Aug 2005 Posts: 9381

TwinkieDP wrote: mendosan wrote: Winchester wrote: Quicksurf wrote: Do insurance companies have the right to discriminate against young males when it comes to car insurance quotes? Would there be any type of out cry if Asian drivers were discriminated against? Seems like sexism to me, which IMO is just as bad as racism.

Opinions?

Of course they do. It's a statistic game, young male drivers are statistically by far the worse group for getting in wrecks and costing the insurance company money. Why should older safer drivers have to pick up the slack.

In the UK its Asian Female divers who are the most likely to get in to accidents but IMO its wrong to charge you more Insurence because of your Ethnicity. Gender is diffrent because there are so so many more Accidents with young men, than woman. When you say Asian, are you talking about people from Pakistan, India region? Because in America, Asian means East Asian more specifically (Korea, Japan, China, Viet etc...). Wow...you really are annoyed that he happened to pick Asians as the group to use as an example, aren't you?

But, for the OP, I used to find the trend of charging young male drivers higher rates to be upsetting. However, when I realized the statistics, I easily saw how those rates were justified. But, now 25, my rates have gone down. :)

The Central Scrutinizer · Posted: Thu Aug 03, 2006 4:10 pm Post subject:

The fact of the matter is that some discrimination is justified. You may not feel like it's fair; I know that I wouldn't if I were discriminated against. However, objectively, some discrimination is justified. Young men crash cars at a higher rate than anyone else. Arab men bomb planes more often than old black women. People with higher test scores do better at more difficult colleges than people with low test scores.

What is discrimination? Simply, it's "treating two objects or people differently." Discrimination happens every day; not everyone even stops to consider it. But only baseless discrimination is bad: like keeping blacks from sitting anywhere on the bus, or keeping gays out of the military. There is no logical reason (although you might could make an argument for the latter, but I would disagree) for either action. Unjustified discrimination, especially when it is financially or socially hurtful, is wrong. Discrimination, in and of itself, is value-neutral. Our basis for discriminating is the question.

Quicksurf · Joined: 06 Sep 2005 Posts: 4675

Winchester wrote: Quicksurf wrote: Do insurance companies have the right to discriminate against young males when it comes to car insurance quotes? Would there be any type of out cry if Asian drivers were discriminated against? Seems like sexism to me, which IMO is just as bad as racism.

Opinions?

Of course they do. It's a statistic game, young male drivers are statistically by far the worse group for getting in wrecks and costing the insurance company money. Why should older safer drivers have to pick up the slack.

So if they took an individual race, and discriminated against them based on "statistics", they would have the option of basing their insurance quotes on their race?

Statistically, black people also have the lowest SAT scores in the country. Should colleges filter out all black people during the application process because they are black?

Quicksurf · Joined: 06 Sep 2005 Posts: 4675

TwinkieDP wrote: Quicksurf wrote: TwinkieDP wrote: Quicksurf wrote: Do insurance companies have the right to discriminate against young males when it comes to car insurance quotes? Would there be any type of out cry if Asian drivers were discriminated against? Seems like sexism to me, which IMO is just as bad as racism.

Opinions? What is it that Asian drivers do that gives them such a bad rep? Cite some examples please...

It's a stereotype that Asians are bad drivers. I can't site you any sources, because it's a stereotype. Not sources, but examples, have you been cut off by Asian drivers, or have you seen them wait too long at a green light. etc... etc...

It's a stereotype, it doesn't mean anything, it's not even true. Ever heard of the stereotype that all Mexicans are lazy? WTF, Mexicans are a very hard working group of people.