Why car insurance in America is too cheap

Re:Why car insurance in America is too cheap by mattmaroon on Sunday February 04, 2024 @04:20PM (#39254605)

While interesting, that is not correlating traffic laws with reduction of accidents generally, it is saying that using short term bursts of “ highly visible enforcement” does. that’s well and good and I suppose perhaps that has been curtailed also due to police staffing shortages, I don’t know that there is any evidence that the pre-pandemic background level of enforcement really had much effect.

And from what I understand the level of accidents we are seeing now is basically on trend with what you would have expected if you just followed the trendline forward from 2019, even if the pandemic never happened.

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Re:Why car insurance in America is too cheap by PH95VuimJjqBqy on Sunday February 04, 2024 @10:31PM (#39256987)

yeah, because all this enforcement is somehow happening stealthily. All these cops pulling people over but flipping on their ninja switch so no one sees them.

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Re:Why car insurance in America is too cheap by mattmaroon on Monday February 05, 2024 @09:16AM (#39261419)

No, but generally they do it so infrequently that you bake it into the cost of driving if you’re a frequent speeder. For many years I just considered it a cost of driving, but if I knew a lot of cops were enforcing in one area (like when I got 3 speeding tickets in under 24 hours in the same stretch of road) I’d slow down there.

There are known places where cops pull people over a lot and you’ll see people go from 15 over to driving the speed limit there, then accelerate right after.

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