life insurance

 Have you noticed how we disagree on the value of statistics. For some there are 'lies, damned lies and statistics. "For others, statistics, facts on which the management of an important business. No one would suggest a casino or gambling activities are legal persons should not be out and lose the game. It 'the same when it comes to insurance. It is a mountain of statistics on how often the various topics were presented. Whether it's life or the potential for illness or family homes are full, or marks and models of vehicle stolen, actuaries can give you a definitive answer. This information establishes a fee schedule. Those who are at low risk, pay less. Those who are at high risk of paying more. In theory, this is right.

When it comes to practice, all evidence shows that women are safer drivers than men. There are a number of reasons. The list begins with the simple fact that women are more likely to drive within speed limits. Thus, most of the time you can stop in time to avoid colliding with other vehicles. If you are unlucky, the force of the collision is lower. There is less damage to vehicles and injuries are less severe. This is confirmed by the number of tickets issued, the number of applications and hospital records of injuries. This is not evidence that is affected by the police to lure away without writing a ticket. Tangible evidence of its safety record. The records also show that women buy cars less powerful, with security features. In these circumstances it seems reasonable to reward them with lower rates.

Except for the European Court has decided that this discrimination sexual practice. All European countries have until the end of 2012 to produce rates of non-discriminatory. Court's reasoning is interesting. He argues the point of insurance is risk sharing between all members holding policies. By the way, they are good drivers subsidize bad with everyone pays the same. Honestly, it's a big decision. If you are using, you should get a reward. If you are ill, you should be punished. In this way, the scales used as a stick and carrot to entice people to drive more carefully. If A pays the same premium rate, if driving is safe or not, A has no incentive to drive safely. A can function as a NASCAR track and never be punished.

Fortunately, we live in a free market. Our car insurance companies can set their own rates without interference by the courts. If the majority of women to drive safely here, everyone pays less. If few women drive badly, are paying a high premium. If some people to drive safely, he or she pays the same women. Car insurance is about profit. None of the companies make a profit unless it is followed by statistical data and criteria used to pay affects the driving behavior. For once, we should be thankful we live here and not under the socialist system, where premium rates are standardized, regardless of statistics.