Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
1) Drugs\booze.
2) High speed
3) Terrain (don't hit trees or go down into chasms etc.
4) Distance from medical help.
It's much harder to get in a fatal accident in some parts of the country even though getting in an accident is more frequent.
Per capita, once you get into rural america where they have to drive to another town for a party etc. and the roads are fast and good medical help is over an hour after the accident is where you are screwed.
Crashing at 30mph in a major city isn't going to create fatalities that often.
Nothing to do with politics and the data is irrefutable in it's scope and magnitude.
The main cause of traffic fatalities is distracted drivers.
Which is why credit ratings are used to determine premiums, something the Elizabeth Warren crowd wants to stop.
I did the code and database for a pre-runner to E-Surance, back like 20+ years ago. I got the rates/relativities from like 3 dozen insurers at least quarterly and updated the business rules data tables at least every that often. Some updated monthly. Doing that gig for 3 years, I learned a lot about how automobile insurers work.
The actuaries have done decades of work on what behaviors predict driving behavior, how each behavior can be quantified and calculated, how statistics corollate to how often they'll pay out claims and to what degree, etc. And they update CONSTANTLY across dozens of metrics. Data doesn't lie, neither do actuarial tables.
Credit score is newer, but has been found to be a decent predictor of responsible thinking/behavior. In the end, they are trying to get to as many sigmas as possible where their predictions on future car driving behavior and environment are concerned.
It's true for car/safety reasons alone. The more expensive luxury class cars not only have more features but more weight. When mini vans and suvs became the rage in the 1990s insurance companies started charging owners extra not because they weren't safe but because they could cause. more damage in an accident. The Mercedes that crashed the LA intersection is an example of that. The pos driver survived yet she and her car killed 6.
I see plenty of better off people who drive like morons. Many of them act like they're afraid to move their cars. They are constantly riding their brakes, they go about 2 mph when turning a corner as if it was their first time turning the steering wheel, plenty of them are on their phone paying no attention to the road, they pull out right in front of you because they don't have any depth perception, or think they need to be first but go 10-15 mph slower than the limit, and there's the control freaks and wanna be cops.
All of this happens unless.....
...they are in a parking lot. They fly around parking lots like they're on a freeway. Then, they find a spot to park and take 30 minutes to get in the spot.
Blaming poor people for accidents, is stupid. Dumb, unskilled drivers come from all age groups and all classes.
Yet statistical evidence, unlike your anecdotes, prove them to be more likely to get into accidents due to risky behaviors.
On a regular morning basis, I share the road from Kapalua to Lahaina with a late-model grey Audi station wagon. In this case, unlikely to be low-income. The driver is all over the road, crossing the yellow lines and swerving into the right-hand lane, sometimes even into the bike lane. I haven't been able to see the driver clearly, but I see a small hand furiously working a cell phone, so I assume it's a woman.
I can't believe the incredible luck she has had, so far. Undoubtedly, an accident is on the horizon. Once she wandered over into my lane so close that we almost traded paint. I honked and she swerved back. Now I avoid being near her by dropping back. Drunk drivers exhibit more skill!
What kind of business on a phone is so important that it can't wait until your destination? It seems like there are more drivers on phones than drivers NOT on phones.
Nothing is that important to put others at risk. If she can’t or won’t put down the phone, I hope she crashes into something else before taking someone else’s loved one away from them. Distracted driving should be treated the same as drunk driving with the same penalties.
Nothing is that important to put others at risk. If she put down the phone I hope she crashes into something else before taking someone else’s loved one away from them. Distracted driving should be treated the same as drunk driving with the same penalties.
The funny thing is, you can't look at the guy in the car next to you and tell if he's drunk but often you CAN see them texting or looking at their phone.
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
