AugustWest7120 t1_j1irfv7 wrote on December 24, 2022 at 6:19 PM

Reply to comment by Jahooodie in Should we sell our car? by hourlongflyer

Lol insurance companies are such fucks. But ya / that sounds right. Which sucks.

pixel_of_moral_decay t1_j1j29kd wrote on December 24, 2022 at 7:34 PM

That’s a pretty reasonable policy tbh.

People who drive less get into more accidents. So making them pay more is exactly how insurance is supposed to work.

salajander t1_j1k2pt2 wrote on December 25, 2022 at 12:09 AM

Per hour driven? Perhaps. But on an annual basis? No way, if you drive every day you're absolutely going to get into more accidents than someone who just drives on the occasional weekend or on vacation.

pixel_of_moral_decay t1_j1k4785 wrote on December 25, 2022 at 12:22 AM

Either way is irrelevant. You always pay partially based on usage. That’s always factored in.

But someone who had a period of inactivity is going to be a higher risk. Lapsed insurance or license = higher odds of crashing

JeromePowellAdmirer t1_j1siikx wrote on December 27, 2022 at 1:29 AM

One could just as easily argue that someone constantly driving is at a higher risk of crashing due to fatigue and complacency

pixel_of_moral_decay t1_j1sk969 wrote on December 27, 2022 at 1:43 AM

There’s data behind all of this. Commercial drivers have by far the fewest accidents per mile. It’s not even close.

Likewise, rental cars are about as risky as drunk drivers since so many of them rarely drive. The most likely class of vehicle to kill you in a collision is a rental. Least likely is a truck.

JeromePowellAdmirer t1_j1socko wrote on December 27, 2022 at 2:16 AM

But how many do they have total? End of the day, the total is what determines how often the insurance company is paying.

pixel_of_moral_decay t1_j1spvqe wrote on December 27, 2022 at 2:28 AM

Are you really that dumb? You pay based on avg usage and types of driving. You also get rates increased if you get in an accident.

You clearly have never paid for insurance before or you’d know how stupid your argument is, given the first questions you answer are exactly that.

But from mile 0, and per mile, someone who rarely drives will be the biggest burden. That’s just math.