Statistical Disparities and Isms

riseagainstrocks · 07-14-2017, 08:19 AM

Quote:

Originally Posted by Pet_Sounds

1. What about someone who identifies as non-binary? Which rate do they pay? If it's the gender with which they identify, I might have to tell the Ministry of Transportation I identify as female and save some cash.

2. What if statistics showed that, say, blacks were more likely to cause car accidents than whites? Would insurance companies be allowed to charge a "black rate"? Obviously not. So where is the line drawn?

Caveat, haven't watched the video yet. Might get around to it, but Ben Shapiro has always been rather insufferable (I must admit to experiencing some rather pleasant schadenfreude seeing the alt-right treat him as an enemy). If he hasn't experienced it, it can't exist for another person. It's a rather... myopic world-view.

1. Interesting point. Self-image is a big 'driver' of behavior, so perhaps male-to-female transgender people would adopt more of a, in the aggregate, female driving style. Although if enough men took your tack before long women's rates would be up there with men's!

2. There are no substantive physiological differences between the races, unlike the sexes, and even then, men and women aren't really sexually dimorphous. Charging a higher insurance rate against black drivers would be akin to a 'culture tax' and therefore intrinsically biased. You would have to show that black people, independent of socioeconomic status, health, and education, consistently under-perform other ethnic groups when it comes to driving.