I agree. The insurance industry needs some serious tweaking.
What would be wrong of throwing out all of statistics other than how much you've claimed?
After all, it's the paying out of the claims that they don't want to do. If you have someone that doesn't cost you anything because they never claim, that a positive cash flow to the company. Isn't it?
Yup. Already knew that. The speed cameras are only a way to fleece more money from the driving population.
I like what the Texans did when they were tried the boxes out there. The pickup drivers would find out where the box was, sneak up on it form the blind side, and shoot it with their shotguns from the their rear window mounted gun racks.
I'll support you on this point, if you include additional driver training to make them more safe and aware. Here, I have started a list....
Driving Rules: * Always look ahead, beyond the car ahead of you if possible, and anticipate
* Play a game with yourself, bet yourself what that driver up ahead is going to do, then see if you are right.
* Never runn up on a slow car, brake, then change lanes, anticipate! * Always be aware of the situation around you
* Be aware of what the drive behind and to the sides are doing and behaving
* Avoid drivers with poor habits / behaviors * "Rechts Fahren!" * Always steady and centered in your lane, unless you mean not to be * Never drive two-footed
* double pedal in emergency situations
* needless brake wear
* needless fuel consumption
* needless communication confusion (your brake lights are blinking on and off all the time)
* Keep your car properly maintained * For your safety and other (what if your car fails) * All lights and blinkers * Tires and suspension * Timely repair of any body damage
* Communicate effectively - more, or less, than just signals
* Crowding a side of the lane for lane change
* Expressway lane change w/o signals
* If you are steady in your lane, crowding one side is communicating
* You lane change should not crowd any other drivers, so should be lots of room
* Lane changes with blinker draws undue attention to yourself by the cop * Crowd a side of the lane for curves - allowable
* More room, should a slide occur (water etc.)
* quite natural driving (nip the apex)
Make a decision, and stick to it, don't be indecisive * Make it in a timely fashion, early * Commit to the decision, don't try and back out 1/2 way through the move * Plan for the abort if you have to use it * If you have to abort, do it early, do it smoothly
Avoiding the Accidents * Being aware of your surroundings the first and most important * Never be the first through the light on a green (compensate for others bad driving) * Notice and avoid drivers with poor habits / behaviors - be aware of them * Stay out of other drivers blind spots * Never pass and pull in, only to slow down
Mirrors * Can and should be set to minimize blind spot. * Left mirror looks down the lane to the left, right mirror down the lane on the right, rear-view mirror directly and squarely behind.
Parking * Should be an easy, simple, single manuver * Center of parking space, square with the lines * Take pride in demonstration of driving skill and care
Coming to a stop * Measure the distance and apply consistent, steady, easy brake pressure - no more or no less over the course of braking * The lower the bake pressure, the longer the braking distance, the better the anticipation and judgement (and the lower the wear on your brakes and the greatest gas milage) * The limo-stop - good for brakes - Pride in demonstration of driving skill and care (tail end let up) * Once completely stopped, roll 1/4 wheel and stop, wait 10 seconds, do it again - reduce rotor heat localization * Leave 1/2 to 1/4 car legnth space in front, may need it should someone behind you missjudge the needed braking distance (roll forward and avoid collision)
Changing Lanes * The diagonal of the triangle is longer than either of the legs. Accellerate * Do not jerk it between the lanes - make it smooth, stretch it out - but not too far * Locate and choose your traffic hole, and hit it - time to change should take all of the hole (corner to corner)
Merging onto Freeway * Accellerate down the on ramp * Watch traffic in the lane * Look for your hole and time your accelleration into it. * Time it so that you are at the front part of the hole, not the back part, as that is cutting off the person behind you.
Turning (mainstree into side stree) * Blink first, th
IMHO it's taking the assessment of the police officer out of the decision making loop. Granted his decision of pulling you over is arbitrary, but I'm sure that if he say you brake hard and swerve out of the way of an accident that he'd not pull you over.
The black box does not have such judgment capabilities. It's a default non-compromising digital algorithm. That's where I have less trust of an arbitrary decision.
So what you are saying is that in Briton, it makes no economic sense to have a nice car with a little bit of excitement to it? It's better off to drive a 10 year old clunker and insure it that way?
Driving Rules: * Always look ahead, beyond the car ahead of you if possible, and anticipate
* Play a game with yourself, bet yourself what that driver up ahead is going to do, then see if you are right.
* Never runn up on a slow car, brake, then change lanes, anticipate! * Always be aware of the situation around you
* Be aware of what the drive behind and to the sides are doing and behaving
* Avoid drivers with poor habits / behaviors * "Rechts Fahren!" * Always steady and centered in your lane, unless you mean not to be * Never drive two-footed
* double pedal in emergency situations
* needless brake wear
* needless fuel consumption
* needless communication confusion (your brake lights are blinking on and off all the time)
* Keep your car properly maintained * For your safety and other (what if your car fails) * All lights and blinkers * Tires and suspension * Timely repair of any body damage
* Communicate effectively - more, or less, than just signals
* Crowding a side of the lane for lane change
* Expressway lane change w/o signals
* If you are steady in your lane, crowding one side is communicating
* You lane change should not crowd any other drivers, so should be lots of room
* Lane changes with blinker draws undue attention to yourself by the cop * Crowd a side of the lane for curves - allowable
* More room, should a slide occur (water etc.)
* quite natural driving (nip the apex)
Make a decision, and stick to it, don't be indecisive * Make it in a timely fashion, early * Commit to the decision, don't try and back out 1/2 way through the move * Plan for the abort if you have to use it * If you have to abort, do it early, do it smoothly
Avoiding the Accidents * Being aware of your surroundings the first and most important * Never be the first through the light on a green (compensate for others bad driving) * Notice and avoid drivers with poor habits / behaviors - be aware of them * Stay out of other drivers blind spots * Never pass and pull in, only to slow down
Mirrors * Can and should be set to minimize blind spot. * Left mirror looks down the lane to the left, right mirror down the lane on the right, rear-view mirror directly and squarely behind.
Parking * Should be an easy, simple, single manuver * Center of parking space, square with the lines * Take pride in demonstration of driving skill and care
Coming to a stop * Measure the distance and apply consistent, steady, easy brake pressure - no more or no less over the course of braking * The lower the bake pressure, the longer the braking distance, the better the anticipation and judgement (and the lower the wear on your brakes and the greatest gas milage) * The limo-stop - good for brakes - Pride in demonstration of driving skill and care (tail end let up) * Once completely stopped, roll 1/4 wheel and stop, wait 10 seconds, do it again - reduce rotor heat localization * Leave 1/2 to 1/4 car legnth space in front, may need it should someone behind you missjudge the needed braking distance (roll forward and avoid collision)
Changing Lanes * The diagonal of the triangle is longer than either of the legs. Accellerate * Do not jerk it between the lanes - make it smooth, stretch it out - but not too far * Locate and choose your traffic hole, and hit it - time to change should take all of the hole (corner to corner)
Merging onto Freeway * Accellerate down the on ramp * Watch traffic in the lane * Look for your hole and time your accelleration into it. * Time it so that you are at the front part of the hole, not the back part, as that is cutting off the person behind you.
Turning (mainstree into side stree) * Blink first, then change lanes (if applicable), then slow down * At least 2 blinks before b
I agree with you on your approach. Statistics are the only way to even come close to some sort of equitable system. I just don't believe anymore that the statistics are being used in a fair manner.
Lastly, if you look ahead and anticipate the what going to happen in traffic you'll be much safer than not anticipating.
I can't tell you how often I've seen a poor driver charge up into a situtation that was developing, and easily anticipated, only to slam on the brakes and screw everyone else up.
You look through the cars in front of you looking for that high brake light to light up(that's why it's there). Give you that much more time to react in a safe manner. But do they teach these things? NOT!
I was speaking of the express way, not side streets. I just get tired of slower cars, that should be driving in one of the 'right' lanes and not in the left lanes, and refuse to move over. This is also not safe.
I hate to burst your bubble, but this black box has been in the cars since they've have engine management computers (the computer needs all that data to achieve the best tune for reduction in NOX).
I gues you'd better start riding your bike tomorrow morning.
I suppose that when the insurance companies get abusive enough in their intrustions, the only remaining action is to start your own insurance company.
Of course then they'll sick their expensive lawyers on you, or disqualify your competing insurance company for some trumped up regulation reason so they'll eliminate you as competition.
Would you support the idea that insurance companies should work on a fixed margin to cover their expenses?
After all, insurance is a socialistic plot, spreading the cost of all across all participants. In that sort of a system, it would only seem natural that they should forced to work on a fixed margin. As time goes on, the margin should be reduced as they create more efficient business processes and systems.
So home come all the insurance companies are sitting on huge piles of money? So much so, they have to invest it in the stock market, which collapsed with the tech bubble, and cause high rates for customers so that they could maintain their profit margins?
Drivers skill, and your history of claims should be the only measures to correlate your probability of a claim.
You feel safest driving the speed limit. Fine. Do it responsibly, in the right lane. Those of us who feel safe driving faster, let us do it in the left lane.
There's room for all of us on the road if we do it this way.
Actually, I think that you are right on target. A larger target that is of much greater concern than this specific target. One that we all should start paying more attention to.... before it's too late, as you indicate.
OK. If that's true, then there should be a strong correlation between driver skill and claims. The greater the skill, the fewer the claims. So how come driver skill is lacking so much? Home come there are so few opportunities to increase your driving skill. How come the insurance companies don't count driver skill?
Because if they did, they couldn't easily soak the automotive enthusiasts for all the extra premiums.
It's all about the money. Nothing more. Nothing less. Make as much as you can without being investigated or too many people complaining (or buying your BS).
That is a crap argument. Brisk driving has nothing to do with insurance claims, and I will never believe that it does.
I've been paying my insurance for 20 years, and have made one single claim, when I was rear ended in stop and go traffic.
Now, I'll agree that claims has everything to do with driving skill. If in doubt, go learn some skills. You'll be amazed what a skilled driver in a good machine can do. And yes, I've got more to learn as well, but I'm learning on the road track, where it's safer, and there are no tickets.
Oh, it'll never become mandatory. When you sign the insurance papers, it'll be like this:
"Please sign this stack of papers"
"What's this one?"
"It's out standard discount waiver. You can save 20% on your insurance if you sign this."
"OK. I like to save money."
You're cooked. Next time your run past a remote reader, the data is at the insurance company, and your next invoice is... double!
No thanks. This intrusion and tracking needs to be eliminated now and forever. We all are becoming slaves to technology and those that control the systems and data.
I agree. Let the market decide.
You can choose NOT to buy a PC that has a TCPA BIOS, and you can choose NOT to buy any software that requires it.
The only question that I have is how OpenSource and the GPL will handle running on non-TCPA as well as on TCPA compliant hardware.
From what I gather searching the Inet, AMI already in on this thing. In fact, S.2048 seems to mandate the implementation of TCPA, but I'm still researching.
Are you guys kiddig me?
Look, the truth of the matter is that nearly all CEO's who are getting more than $1/2 Mil each year are grossly overpaid! And that's just about all of them!
Next are all the wonderful Demicrooks and RepubliCONS in CONgress. They are all basically in the deep pockets of the cheating and lying CEO's! and don't give a rip who they cheat or steal from nor who they are lying to as long as they have their campagin warchests filled up to stay in office.
If the middle class collapses in this country, and there are signs that they are based on economic control and whose got it and wealth distribution, something gonna blow up really big! (IMHO).
Slashdot Mirror
I agree. The insurance industry needs some serious tweaking.
What would be wrong of throwing out all of statistics other than how much you've claimed?
After all, it's the paying out of the claims that they don't want to do. If you have someone that doesn't cost you anything because they never claim, that a positive cash flow to the company. Isn't it?
Yup. Already knew that. The speed cameras are only a way to fleece more money from the driving population.
I like what the Texans did when they were tried the boxes out there. The pickup drivers would find out where the box was, sneak up on it form the blind side, and shoot it with their shotguns from the their rear window mounted gun racks.
Talk about a direct expression of your opinion.
I'll support you on this point, if you include additional driver training to make them more safe and aware. Here, I have started a list....
Driving Rules:
* Always look ahead, beyond the car ahead of you if possible, and anticipate
* Play a game with yourself, bet yourself what that driver up ahead is going to do, then see if you are right.
* Never runn up on a slow car, brake, then change lanes, anticipate!
* Always be aware of the situation around you
* Be aware of what the drive behind and to the sides are doing and behaving
* Avoid drivers with poor habits / behaviors
* "Rechts Fahren!"
* Always steady and centered in your lane, unless you mean not to be
* Never drive two-footed
* double pedal in emergency situations
* needless brake wear
* needless fuel consumption
* needless communication confusion (your brake lights are blinking on and off all the time)
* Keep your car properly maintained
* For your safety and other (what if your car fails)
* All lights and blinkers
* Tires and suspension
* Timely repair of any body damage
* Communicate effectively - more, or less, than just signals
* Crowding a side of the lane for lane change
* Expressway lane change w/o signals
* If you are steady in your lane, crowding one side is communicating
* You lane change should not crowd any other drivers, so should be lots of room
* Lane changes with blinker draws undue attention to yourself by the cop
* Crowd a side of the lane for curves - allowable
* More room, should a slide occur (water etc.)
* quite natural driving (nip the apex)
Make a decision, and stick to it, don't be indecisive
* Make it in a timely fashion, early
* Commit to the decision, don't try and back out 1/2 way through the move
* Plan for the abort if you have to use it
* If you have to abort, do it early, do it smoothly
Avoiding the Accidents
* Being aware of your surroundings the first and most important
* Never be the first through the light on a green (compensate for others bad driving)
* Notice and avoid drivers with poor habits / behaviors - be aware of them
* Stay out of other drivers blind spots
* Never pass and pull in, only to slow down
Mirrors
* Can and should be set to minimize blind spot.
* Left mirror looks down the lane to the left, right mirror down the lane on the right, rear-view mirror directly and squarely behind.
Parking
* Should be an easy, simple, single manuver
* Center of parking space, square with the lines
* Take pride in demonstration of driving skill and care
Coming to a stop
* Measure the distance and apply consistent, steady, easy brake pressure - no more or no less over the course of braking
* The lower the bake pressure, the longer the braking distance, the better the anticipation and judgement (and the lower the wear on your brakes and the greatest gas milage)
* The limo-stop - good for brakes - Pride in demonstration of driving skill and care (tail end let up)
* Once completely stopped, roll 1/4 wheel and stop, wait 10 seconds, do it again - reduce rotor heat localization
* Leave 1/2 to 1/4 car legnth space in front, may need it should someone behind you missjudge the needed braking distance (roll forward and avoid collision)
Changing Lanes
* The diagonal of the triangle is longer than either of the legs. Accellerate
* Do not jerk it between the lanes - make it smooth, stretch it out - but not too far
* Locate and choose your traffic hole, and hit it - time to change should take all of the hole (corner to corner)
Merging onto Freeway
* Accellerate down the on ramp
* Watch traffic in the lane
* Look for your hole and time your accelleration into it.
* Time it so that you are at the front part of the hole, not the back part, as that is cutting off the person behind you.
Turning (mainstree into side stree)
* Blink first, th
IMHO it's taking the assessment of the police officer out of the decision making loop. Granted his decision of pulling you over is arbitrary, but I'm sure that if he say you brake hard and swerve out of the way of an accident that he'd not pull you over.
The black box does not have such judgment capabilities. It's a default non-compromising digital algorithm. That's where I have less trust of an arbitrary decision.
So what you are saying is that in Briton, it makes no economic sense to have a nice car with a little bit of excitement to it? It's better off to drive a 10 year old clunker and insure it that way?
Thank you.
I've been collecting a little list here...
Driving Rules:
* Always look ahead, beyond the car ahead of you if possible, and anticipate
* Play a game with yourself, bet yourself what that driver up ahead is going to do, then see if you are right.
* Never runn up on a slow car, brake, then change lanes, anticipate!
* Always be aware of the situation around you
* Be aware of what the drive behind and to the sides are doing and behaving
* Avoid drivers with poor habits / behaviors
* "Rechts Fahren!"
* Always steady and centered in your lane, unless you mean not to be
* Never drive two-footed
* double pedal in emergency situations
* needless brake wear
* needless fuel consumption
* needless communication confusion (your brake lights are blinking on and off all the time)
* Keep your car properly maintained
* For your safety and other (what if your car fails)
* All lights and blinkers
* Tires and suspension
* Timely repair of any body damage
* Communicate effectively - more, or less, than just signals
* Crowding a side of the lane for lane change
* Expressway lane change w/o signals
* If you are steady in your lane, crowding one side is communicating
* You lane change should not crowd any other drivers, so should be lots of room
* Lane changes with blinker draws undue attention to yourself by the cop
* Crowd a side of the lane for curves - allowable
* More room, should a slide occur (water etc.)
* quite natural driving (nip the apex)
Make a decision, and stick to it, don't be indecisive
* Make it in a timely fashion, early
* Commit to the decision, don't try and back out 1/2 way through the move
* Plan for the abort if you have to use it
* If you have to abort, do it early, do it smoothly
Avoiding the Accidents
* Being aware of your surroundings the first and most important
* Never be the first through the light on a green (compensate for others bad driving)
* Notice and avoid drivers with poor habits / behaviors - be aware of them
* Stay out of other drivers blind spots
* Never pass and pull in, only to slow down
Mirrors
* Can and should be set to minimize blind spot.
* Left mirror looks down the lane to the left, right mirror down the lane on the right, rear-view mirror directly and squarely behind.
Parking
* Should be an easy, simple, single manuver
* Center of parking space, square with the lines
* Take pride in demonstration of driving skill and care
Coming to a stop
* Measure the distance and apply consistent, steady, easy brake pressure - no more or no less over the course of braking
* The lower the bake pressure, the longer the braking distance, the better the anticipation and judgement (and the lower the wear on your brakes and the greatest gas milage)
* The limo-stop - good for brakes - Pride in demonstration of driving skill and care (tail end let up)
* Once completely stopped, roll 1/4 wheel and stop, wait 10 seconds, do it again - reduce rotor heat localization
* Leave 1/2 to 1/4 car legnth space in front, may need it should someone behind you missjudge the needed braking distance (roll forward and avoid collision)
Changing Lanes
* The diagonal of the triangle is longer than either of the legs. Accellerate
* Do not jerk it between the lanes - make it smooth, stretch it out - but not too far
* Locate and choose your traffic hole, and hit it - time to change should take all of the hole (corner to corner)
Merging onto Freeway
* Accellerate down the on ramp
* Watch traffic in the lane
* Look for your hole and time your accelleration into it.
* Time it so that you are at the front part of the hole, not the back part, as that is cutting off the person behind you.
Turning (mainstree into side stree)
* Blink first, then change lanes (if applicable), then slow down
* At least 2 blinks before b
I agree with you on your approach. Statistics are the only way to even come close to some sort of equitable system. I just don't believe anymore that the statistics are being used in a fair manner.
Lastly, if you look ahead and anticipate the what going to happen in traffic you'll be much safer than not anticipating.
I can't tell you how often I've seen a poor driver charge up into a situtation that was developing, and easily anticipated, only to slam on the brakes and screw everyone else up.
You look through the cars in front of you looking for that high brake light to light up(that's why it's there). Give you that much more time to react in a safe manner. But do they teach these things? NOT!
Not at all. That would not be safe.
I was speaking of the express way, not side streets. I just get tired of slower cars, that should be driving in one of the 'right' lanes and not in the left lanes, and refuse to move over. This is also not safe.
I hate to burst your bubble, but this black box has been in the cars since they've have engine management computers (the computer needs all that data to achieve the best tune for reduction in NOX).
I gues you'd better start riding your bike tomorrow morning.
Hear Hear!
I suppose that when the insurance companies get abusive enough in their intrustions, the only remaining action is to start your own insurance company.
Of course then they'll sick their expensive lawyers on you, or disqualify your competing insurance company for some trumped up regulation reason so they'll eliminate you as competition.
Isn't that the usual way it goes?
Would you support the idea that insurance companies should work on a fixed margin to cover their expenses?
After all, insurance is a socialistic plot, spreading the cost of all across all participants. In that sort of a system, it would only seem natural that they should forced to work on a fixed margin. As time goes on, the margin should be reduced as they create more efficient business processes and systems.
So home come all the insurance companies are sitting on huge piles of money? So much so, they have to invest it in the stock market, which collapsed with the tech bubble, and cause high rates for customers so that they could maintain their profit margins?
Well, you know what they say about statistics....
No Seriously.
Drivers skill, and your history of claims should be the only measures to correlate your probability of a claim.
You feel safest driving the speed limit. Fine. Do it responsibly, in the right lane. Those of us who feel safe driving faster, let us do it in the left lane.
There's room for all of us on the road if we do it this way.
You know, I've been saying that for years now, but no one was ever listening.
Actually, I think that you are right on target. A larger target that is of much greater concern than this specific target. One that we all should start paying more attention to .... before it's too late, as you indicate.
OK. If that's true, then there should be a strong correlation between driver skill and claims. The greater the skill, the fewer the claims. So how come driver skill is lacking so much? Home come there are so few opportunities to increase your driving skill. How come the insurance companies don't count driver skill?
Because if they did, they couldn't easily soak the automotive enthusiasts for all the extra premiums.
It's all about the money. Nothing more. Nothing less. Make as much as you can without being investigated or too many people complaining (or buying your BS).
That is a crap argument. Brisk driving has nothing to do with insurance claims, and I will never believe that it does.
I've been paying my insurance for 20 years, and have made one single claim, when I was rear ended in stop and go traffic.
Now, I'll agree that claims has everything to do with driving skill. If in doubt, go learn some skills. You'll be amazed what a skilled driver in a good machine can do. And yes, I've got more to learn as well, but I'm learning on the road track, where it's safer, and there are no tickets.
Oh, it'll never become mandatory. When you sign the insurance papers, it'll be like this: "Please sign this stack of papers" "What's this one?" "It's out standard discount waiver. You can save 20% on your insurance if you sign this." "OK. I like to save money." You're cooked. Next time your run past a remote reader, the data is at the insurance company, and your next invoice is ... double!
No thanks. This intrusion and tracking needs to be eliminated now and forever. We all are becoming slaves to technology and those that control the systems and data.
... and the quality and accuracy of their stories went up.....
I agree. Let the market decide. You can choose NOT to buy a PC that has a TCPA BIOS, and you can choose NOT to buy any software that requires it. The only question that I have is how OpenSource and the GPL will handle running on non-TCPA as well as on TCPA compliant hardware.
From what I gather searching the Inet, AMI already in on this thing. In fact, S.2048 seems to mandate the implementation of TCPA, but I'm still researching.
Are you guys kiddig me? Look, the truth of the matter is that nearly all CEO's who are getting more than $1/2 Mil each year are grossly overpaid! And that's just about all of them! Next are all the wonderful Demicrooks and RepubliCONS in CONgress. They are all basically in the deep pockets of the cheating and lying CEO's! and don't give a rip who they cheat or steal from nor who they are lying to as long as they have their campagin warchests filled up to stay in office. If the middle class collapses in this country, and there are signs that they are based on economic control and whose got it and wealth distribution, something gonna blow up really big! (IMHO).