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I've heard 9 and 3, 10 and 2 but never ten and four could you link something to that states ten and four? http://teendriving.statefarm.c...

I'm sure you misunderstand how this tax thing works. You could "write it off" as in you will never see the money, but "write it off as a loss" makes no sense. The $116 is the negotiated rate, which the insurance company can demand as a result of :
1) referring patients (via listing who accepts the insurance)
2) buying in bulk
Since the rate is negotiated, the $167 is the expected price, not a loss. I really doubt this helps anyone financially.

If I get a $400 charge, and owe $42 after insurance pays, wouldn't it be to their advantage, if things are as you say, to write it off rather than call me and mail me bills?

I'm not going to go research it, but it doesn't make sense at all.

State Farm, which is one of the largest insurance companies, took in $33B in premiums, and paid out $21B. With fees and such (including I assume paying people), they lost $1.5B in 2012. How do they make money? They take your premiums, $114B currently, and invest it.

http://www.statefarm.com/aboutus/company/annualreports/annualreports.asp

Economics is rarely simple. They employ people, and buy bonds, and pay taxes (look at the report). I agree with your premise, that this was not done correctly, but you made your point so horribly that you actually convinced me you're wrong.

As for why it was implemented the way it was, well politics is rarely simple either.

Insurance companies have not paid out all dollars taken in for a long time. Investments are not needed for a great many to make huge profits.

Citation please. Here's mine: http://www.statefarm.com/aboutus/_pdf/2012_annual_report.pdf

2012 (in millions)
Premium Earned $33,210
Paid Claims $21,523
Claim Expenses $5,240
Service & Admin Fees $8,026
---
Underwriting Gain or Loss ($1,579)

So state farm, after paying out the claims, and overhead, lost $1.5 billion dollars in 2012. They made a profit because... "Investment Gain and Other Income" was $3,070, which covered the losses from paying out claims.

Gameboyhippo was correct, and your "theory" is false.

1. 1991 Honda Accord
   
2. 1995 Honda Civic
   
3. 1989 Toyota Camry
   
4. 1994 Dodge Caravan
   
5. 1994 Nissan Sentra
   
6. 1997 Ford F150 Series
   
7. 1990 Acura Integra
   
8. 1986 Toyota Pickup
   
9. 1993 Saturn SL
   
10. 2004 Dodge Ram Pickup

Well, here is the USA's most dangerous intersection (which I drive through every day), so just keep refreshing the picture and you should see something soon ;-).

Will require GPS to be effective, and that means they know where you're driving. If your work happens to be near a "bad" intersection for accidents, your rate goes up, even if you have a perfect record.

I shudder to think what that could mean for me. I live about a mile from and frequently drive through State Farm's 9th most dangerous intersection. They recently changed the layout of the intersection since it was ranked number 9, but it's still not much better and still a crazy/unsafe interesection.

(On a side note, I also frequently pass through Louisiana's 2nd worse intersection, but I guess that's not as bad as some people I work with who pass through LA's 3rd, 4th, 9th, and 10th worst going to and from work. They would have it really bad.)

I bank with State Farm and their interface lets you enter check transactions into the register, and then reconciles them when the check actually clears.

I am so sick of this war on terrorism. We're wasting 100s of billions of taxpayer money and for what? Reduced civil rights (I just can't believe that in America, a citizen can now be held without being charged and without contact with the outside world - is this a nightmare?), toppling two legitimate goverments of other countries (Ok, the Taliban didn't hand over Osama on a silver platter so they became a sacrifical pig with the blessing of the world), 1000s of innocents dying (in said aforementioned two countries) ...

We've made our point, gotten our revenge, and wiped out a significant part of the major terrorism networks in the process. Isn't it enough already? But, if we're going to continue to spend this money to protect lives, why not make it more productive?

(I know, I'm arguing that the war on terrorism has not saved all that many lives. While 'what if' alternate historial outcomes are unknowable, we can look to the past for some indication. So how often has the US been subject to externally-originated acts of terrorism? And how many have died in them total? Not all that many, compared to other forms of premature death. Sure, the deaths in 911 were tragic and unforgiveable, but so are any other premature deaths, IMHO (traffic deaths, murder victims, etc.). Look at the 911 hijackers - they're attempts to get pilot training were almost comical - it's really amazing they succeeded at their goal. And look how long they prepared. My point here is that I don't think the terrorists are capable of sustained mass production terrorism. [I'm talking international terrorism against the US as opposed to the Palestinians, who are quite good at mass production terrorism])

As for alternatives to spending our taxmoney, just one example:

Every year over 42K people lose their lives in traffic accidents in the US. That's what, 16 times the number of deaths in 911? And it happens every year. Imagine how many lives would be saved if 100 billion per year was plowed into traffic safety (such as pedestrian walks over or under dangerous intersections, air bags that don't kill toddlers, etc.).

Just my 0.02.

Surprisingly enough, NY doesn't have any intersections listed in the top 10 most dangerous intersections list, compiled by State Farm.

However, you can find the 24 most dangerous intersections in NY, as compiled by the NYPD here.

Either way, crossing the street isn't the safest thing in the world.

I work for State Farm Insurance and I got my start here through their internship program. Although we're not hiring many full time people here right now due to industry slowdowns, an internship is a great way to get your foot in the door with a very stable company. Not exciting, but it pays the bills. :)