I specifically called out age in a way that shows it’s unfair, and then one of your example of “fairer than actual driving monitoring” was age?!
And mr Wyoming in your example thinks it’s fair he’s higher for driving more miles than city man? (Assuming we aren’t pricing different based on location bc your comment made that assumption) and how does one verify miles driven? Best way is oem vehicle integration like you object to.
Home zip code is pretty discriminatory despite being allowed and also kinda unreliable.
Accident history is okay but not perfect because fault can be hard to attribute.
Some Speeding Tickets can be gotten out of or erased, and out of state ones are hard to locate
No, all those are very imperfect proxies for driving behavior that are often discriminatory against poor people and minorities. It’s better to monitor ACTUAL driving behavior than penalize minorities because cops target them for tickets. Or poor people who drive okay but don’t have 800 credit so they get charged more. If only there was some way to monitor actual driving instead of these problematic proxies…
And mr Wyoming in your example thinks it’s fair he’s higher for driving more miles than city man? (Assuming we aren’t pricing different based on location bc your comment made that assumption) and how does one verify miles driven? Best way is oem vehicle integration like you object to.
Home zip code is pretty discriminatory despite being allowed and also kinda unreliable.
Accident history is okay but not perfect because fault can be hard to attribute.
Some Speeding Tickets can be gotten out of or erased, and out of state ones are hard to locate
No, all those are very imperfect proxies for driving behavior that are often discriminatory against poor people and minorities. It’s better to monitor ACTUAL driving behavior than penalize minorities because cops target them for tickets. Or poor people who drive okay but don’t have 800 credit so they get charged more. If only there was some way to monitor actual driving instead of these problematic proxies…