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A cut, sure, but the whole fuckin thing? (lemmy.dbzer0.com)

submitted 3 days ago by Stamets@lemmy.dbzer0.com to c/whitepeopletwitter@sh.itjust.works

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[–] BCsven@lemmy.ca 22 points 2 days ago (2 children)

The province I'm in has socialized car insurance through a crown corporation. We all pay relatively the same rate, and there are discount tiers applied based on years of experience. If they have a good year of low payouts we get rebate cheques because its not a profit corp.

[–] yakko@feddit.uk 2 points 1 day ago (1 children)

That's the way you do it, if it must be done at all. And despite my antipathy towards cars, it seems it must.

[–] some_kind_of_guy@lemmy.world 2 points 1 day ago* (last edited 1 day ago) (2 children)

I would think it would disincentivize driving?

Drive less > less chance of accident > fewer payouts > bigger refund check > adjust forecast lower for next year > lower premiums > GOTO 1

Or maybe it's closer to zero sum. because some think that way while some asshole cough Alberta uses the money on extra tires and gasoline to drive even more.

[–] siipale@sopuli.xyz 1 points 20 hours ago

Why would you pay for a car to not drive it but instead collect the refunds? It would be cheaper to not have a car. I think it would incentivize driving more as the premiums are low and when that causes premiums to rise higher it would disincentivize owning a car.

[–] yakko@feddit.uk 1 points 1 day ago

Not surprising that the refund check doesn't reduce driving in practise. If memory serves - you can't reward a behaviour into extinction, just like you can't punish a new behaviour into existence.

At least, that's if you credit what they teach in applied behaviour analysis courses. I don't get to use my degree much, except at times like this.

[–] some_kind_of_guy@lemmy.world 1 points 1 day ago (1 children)

What happens if they pay out more than forecast?

[–] BCsven@lemmy.ca 2 points 1 day ago

Then there might be a rate increase for everyone in subsequent years, but not your current contract.