April 12, 2018 10:18 am at 10:18 am #1505575Avram in MDParticipant
“No, I’m proposing the law be consistent. Either allow insurance carriers to discriminate premiums based on gender and race or disallow either.”
Discriminating directly based on race would be a violation of the Civil Rights Act of 1964, but that law and subsequent amendments do not address gender. However, auto insurance companies do indirectly discriminate based on race: they charge different rates by zip code, and predominantly minority zip codes tend to have much higher rates than predominantly white zip codes.April 12, 2018 11:16 am at 11:16 am #1505579Avram in MDParticipant
“There is no history of damage/accidents in our High school parking lot.”
Oh yeah? Well in MY town, every Thursday children get free rides on flying unicorns in the park. And if a banged up car remains overnight in my town, by morning it looks miraculously like new. Sometimes it even transforms into a later year model.April 12, 2018 11:16 am at 11:16 am #1505581
Avram: “Discriminating directly based on race would be a violation of the Civil Rights Act of 1964, but that law and subsequent amendments do not address gender.”
Again, I’m suggesting that the law be modified to either explicitly allow or disallow, consistently, both forms of premium discrimination: based on gender and based on race. There’s no good reason to allow one but not the other.April 12, 2018 2:06 pm at 2:06 pm #1505734
Seems like insurance is currently allowed to discriminate for anything someone has a choice about. If someone is being charged more for not being married; get married. If you’re being charged more for being a teenager; stop driving until you’re older…. You can’t legally change your race (esp. since there’s technically no legal recording of race in the first place.April 12, 2018 2:07 pm at 2:07 pm #1505736
Joseph, gender and race are two different things.April 12, 2018 3:00 pm at 3:00 pm #1505753
RY23, race, religion and national origin are different things too. If you can’t discriminate based on race would you approve of the law allowing discrimination based on religion or national origin? If not, why would you oppose price discrimination based on race or religion but support it based on gender?
Gamanit, at last check gender cannot be changed. (Spare us the jokes.) Yet insurance carriers can discriminate their pricing based on that.April 12, 2018 3:23 pm at 3:23 pm #1505761DovidBTParticipant
What would happen if insurance companies eliminated risk groups and simply charged everyone the same premium? Would that destroy the insurance industry?April 12, 2018 3:32 pm at 3:32 pm #1505762
Disclaimer: not saying I support discrimination.
But gender is different because even a homogeneous society contains both genders. Being the son of a woman doesn’t make you half woman either.April 12, 2018 3:41 pm at 3:41 pm #1505763
Joseph- in the state of NY all you need to legally change gender is a notarized letter from a physician. If someone is upset enough about their insurance rates they can get that.April 12, 2018 3:41 pm at 3:41 pm #1505773
That would destroy the insurance industry, DovidBT.April 12, 2018 4:05 pm at 4:05 pm #1505778
Gamanit, can a person claim to be in a medical state where their gender changes based on what is financially beneficial at the moment?April 12, 2018 4:20 pm at 4:20 pm #1505783
RebYidd23- probably. What the physician basically has to state is that the person is unhappy with their gender. If they are unhappy and change and then are unhappy again I don’t see a legal reason they should be unable to change again.April 12, 2018 9:01 pm at 9:01 pm #1505869
Gamanit, does that mean one then must also change which restroom they use?April 13, 2018 7:42 am at 7:42 am #1505917ToiParticipant
Or allow them to play in a women’s basketball league?April 13, 2018 4:36 pm at 4:36 pm #1506136
I don’t think there’s a way to legally designate yourself as good at basketball.April 14, 2018 9:21 pm at 9:21 pm #1506235ToiParticipant
I mean, does legally designating yourself as a woman give you the same right as a biological woman to enter the leagues, should you prove talented enough.
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