From: utzoo!decvax!cca!hplabs!hao!menlo70!sytek!zehntel!teklabs!ucbcad!ARPAVAX:CSVAX:npois!npoiv!harpo!floyd!trb@sri-unix
Newsgroups: net.auto
Title: Re: Airbags are good for you
Article-I.D.: floyd.450
Posted: Mon Aug 16 12:53:01 1982
Received: Fri Aug 20 02:40:18 1982

Could someone explain something about insurance?

Why doesn't insurance take into account the amount of responsibility a
driver has taken when involved in an accident?  I don't drink alcohol
or take illegal drugs, and I always use safety belts, but I'm single,
male, and under 25.  I pay high insurance premiums.  I wonder why I
can't tell my insurance company that I'd be willing to have my
deductible jacked up $1000 if I was in an accident where I was
intoxicated or not wearing a safety belt.

I do have certain bad driving habits; my favorite is driving above
speed limits.  I think it would be nice if I could tailor my coverage
to take these quirks into account, if a person was a drinker, a
speeder, a safety-belt non-user, or whatever, that person's policy
could be specially tailored.  I'm paying high premiums because many
people don't act as responsibly as I do.  Why don't insurance companies
base their coverage rewards upon what responsibility the driver has
taken?

	Andy Tannenbaum   Bell Labs  Whippany, NJ   (201) 386-6491