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