"Discrimination is discrimination... be it on race, creed, age or sex. "
Please define 'discrimination'.
Legally discrimination is discrimination when the factor one is discriminating against is irrelevant to the matter in hand.
Thus it might be sensible to select coloured people in preference to white people if scanning for sickle cell anemia.
But only selecting white people to walk your dog would be discrimination. (unless the dog shows a distinct preference).
In the case of insurance, the evidence is that people present different risks in clearly defined patterns and responding to those patterns is not discrimination, they are relevant to the matter in hand.
Claiming that any form of differentiation is 'discrimination' is a disease of our society perhaps increased by ignorance of what teh word means or confusion caused by populist representation.
One might as well declare classes in karting as 'discrimination' and demand that all classes, from gearbox to cadet run in a single mass event.
"why that in almost 30 years there hasn't been :"
But of course there have been efforts made, but efforts have to be tempered with a likelihood of success.
For example, there is a requirement to tax and MOT a car. However 2 million drivers do neither.
There is a requirement that cars are insured correctly, yet thousands (millions?) of parents put their child's car (ie the child is the main or only driver)under their insurance. It's illegal.
One is required to obey speed limits, yet millions deliberately flout them, and enforcement of these laws has made the police intensely unpopular, affecting their ability to do the rest of their work. (You do realise that laws only work because we agree to obey them, not because they can be enforced, the essence of the success of Civil Disobedience, don't you?)
The second issue is that there have been many lobbies to address the problems of dangerous or defective driving. It isn't the insurance companies' job to make the laws though, that's the responsibility of government.
So there is no point in lobbying for a minimum driving age of 21, or 25 because it cannot be enforced.
There is no point in putting speed governors on engines, because the majority of accidents are not the result of pure speed, but of a speed within a legal limit but inappropriate for the conditions. ( A kart in wet weather isn't going to set a 'dry lap' record but it can still crash)
There has been a change recently in the form of the driving test. Indeed, failing it is one of the reasons so many drivers drive without a licence.
There have been major attempts to make cars safer, more controllable and more survivable, much of it as a result of legisation. Roads are expensively modified to make them safer.
All moves to reduce the stats.
In the US one can get lower insurance by attending extra Driver's Education, in the UK by attending courses with the Institute of Advanced Motoring.
These are the points. Claiming that it is unfair, discrimination, is just a way of avoiding the issues.
|
|