Re:California port truckers ‘drowning’ in supply chain ineff...
by AnthonyMouse on Saturday November 27, 2021 @02:32AM
(#29358329)
> It naively seems like that's a plausible correct increase in cost.
Only if they're thinking one dimensionally.
Your theory is this guy is going to take on four extra passengers, so now he has to go pick them up and drop them off, which will cause him to drive e.g. 50% more miles.
But now those other four passengers don't have to drive themselves. You're not going from 100 miles to 150, you're going from 500 miles to 150. That's going to reduce the number of collisions and therefore insurance claims.
So from a policy perspective, you want people not to be charged extra for this, even before considering the reduction in congestion and pollution. You might even want to offer a discount.
The exception for a selfish insurer would be if all the other drivers are insured by some other insurance company. But if we're talking about a rule set by the government or followed by every insurer then that doesn't matter. Some of your driver's passengers will be on the other insurance company and vice versa so it's a wash.
Only if they're thinking one dimensionally.
Your theory is this guy is going to take on four extra passengers, so now he has to go pick them up and drop them off, which will cause him to drive e.g. 50% more miles.
But now those other four passengers don't have to drive themselves. You're not going from 100 miles to 150, you're going from 500 miles to 150. That's going to reduce the number of collisions and therefore insurance claims.
So from a policy perspective, you want people not to be charged extra for this, even before considering the reduction in congestion and pollution. You might even want to offer a discount.
The exception for a selfish insurer would be if all the other drivers are insured by some other insurance company. But if we're talking about a rule set by the government or followed by every insurer then that doesn't matter. Some of your driver's passengers will be on the other insurance company and vice versa so it's a wash.