BobbyRobertson

BobbyRobertson t1_j5kf1zm wrote

Then why can't the insurance companies show that it costs them more money?

That's all I want them to do. If they want more money from people that own pitbulls, they should be able to show that pitbulls cost them more money. According to that State Representative in the article, they can't do that.

Insurance isn't a game of "I charge what I want". They use actuarial science, which might as well be magic to me, to determine what to charge. If that process can't show that pitbulls cost insurance companies more, then they shouldn't get to charge more.

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BobbyRobertson t1_j5kc04x wrote

Sure, but that apparently doesn't translate into increased costs for insurance companies. If it did they would be able to demonstrate that with their actuarial tables. They can demonstrate that young drivers crash more and cause more damage when they drive, so they have to pay higher premiums. If they can't demonstrate that pitbull owners cause more claims than other breeds then they shouldn't be able to charge more.

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BobbyRobertson t1_j5k772l wrote

>Nuccio, who is also a member of the National Council of Insurance Legislators, said insurance companies have been unable to actuarially demonstrate that dogs often thought of as more dangerous were in fact more likely to hurt someone.

And that's all I really need to see. Insurance companies are taking advantage of a commonly held belief that some breeds of dogs are more dangerous and using it as cover to make more money where they don't actually have an increased cost.

e: These are people who can tell you down to the dollar and cents how much money it costs them to insure a manual car vs an automatic car of the same make and model, provide health insurance to someone that smokes vs their twin that doesn't, and any other kinds of tiny minutiae that cost them more to insure. If they come back and say "There's no cost difference to us whether someone owns a pitbull or a golden lab" I think that's what should determine what they're allowed to charge.

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BobbyRobertson t1_j07drnz wrote

Probably because they suck and have a name completely unrelated to their goals. >The IJ names its four major issues as "private property, economic liberty, free speech and school choice."

Not much about righting injustices in there.

They're a libertarian think tank paid to bring cases to stop government regulation of anything. They were founded with money from, and have been funded for decades by, the Koch brothers. Any 'study' they put out should be treated with some heavy skepticism.

These are the underlying burdens they are looking at in the study

>We measure licensing burdens by looking at five common types of licensing requirements: fees, education and experience, exams, minimum grade completed in school, and minimum age

If you want a 15-year-old doing electrician work they're a great organization

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BobbyRobertson t1_ix3nh2j wrote

Not in his wheelhouse, unfortunately. He's on the Senate's judiciary committee which (partially) oversees the justice dept. He's focusing on Twitter because they're violating a settlement with the Justice Department. Connecticut has no senators on the Committee on Energy and Natural Resources

Though I'm not sure what the rush is, at this rate Twitter is going to be five dudes telling Elon he's making all the right decisions while the infrastructure keeping the site up collapses around them. It ain't long for this world

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BobbyRobertson t1_iwqj388 wrote

And if it wasn't built there'd be several thousand people who wouldn't have had their homes destroyed and tens of thousands that wouldn't have had their neighborhoods decimated.

Do you really value your commute time above other people's homes that much?

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BobbyRobertson t1_iwqi3uv wrote

I believe there's an active one on Old Farms Road in Avon, they found some paleoindian stuff when they were redoing the bridge and intersection with Rt10 recently. I don't know if there's an archeology season though! The grounds getting colder and harder.

I'm not sure how you'd get involved but maybe the state archeologist or Office of State Archeology is a good starting point?

https://osa.uconn.edu/

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BobbyRobertson t1_ivt6i1s wrote

Fusion Voting helps move the main parties in certain directions.

Let's say the Working Families Party wants to shift the tax burden off user fees and sales tax, and increase the income tax to make up for it

The WFP goes to a Democratic candidate and says "Hey, we'll endorse you on our party line, and our party members will vote for you, but only if you promise to back our tax plan". If the Democratic candidate wants votes from that minor party, they might say yes and accept the endorsement.

This helps allow groups of voters to apply pressure on the major parties outside of the primary process. If one of the two major parties selects a candidate who is too extreme or too moderate, they might alienate one or more of the minor parties.

If you're a voter that's conscious about specific issues, and you find a minor party that cares about those issues, you can vote across their fusion line knowing they already did the work to vet candidates that support those issues.

1

BobbyRobertson t1_iu4midj wrote

Their profitability is regulated by the states to be a percentage of costs. They inflate costs and overrun the budgets of approved projects because that directly inflates the profits they're allowed to pull, even though the margins are the same. John Oliver did a great episode on this

https://www.theguardian.com/tv-and-radio/2022/may/16/john-oliver-us-utility-companies-last-week-tonight-recap

>The law imposed some restrictions – companies are supposed to spend the least they can while providing quality, environmentally safe service. “Which sounds great, because it caps their ability to make too much money,” Oliver said. “But, and this is a huge but, there is a carve-out. Because when they build something – a piece of physical infrastructure – they’re allowed to then pass along that cost to you through your bill, plus an additional percentage that they get to keep as profit” that’s usually about 10%. “This creates a clear incentive: the bigger the project, like a power plant, the more profit they make.

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