CA Adopts Pay By Mile Auto Insurance
BretC...@peoplepc.com
contacted insurance companies, the American Federation of Cyclists,
the Energy Efficient Economy Inst., etc.
The argument was it would clear vehicles from the streets. Americans
like a car parked out in the driveway but they don't like 24/7 the
overhead.
A year or so later _Harpers_ ran a piece on pay by mile.
Progress happens.
Bret Cahill
lorad
It's just another artificial constraint on people's ability to form a
viable community and society.
Your's is a anti-democratic and anti-liberty mindset.
BretC...@peoplepc.com
> > contacted insurance companies, the American Federation of Cyclists,
> > the Energy Efficient Economy Inst., etc.
> > The argument was it would clear vehicles from the streets. �Americans
> > like a car parked out in the driveway but they don't like 24/7 the
> > overhead.
> > A year or so later _Harpers_ ran a piece on pay by mile.
> > Progress happens.
> It's just another artificial
Electroninc communication is artificial too.
> constraint
If you don't want pay by mile just keep your conventional policy.
It's an _option_.
> on people's ability to form a
> viable community and society.
Pay by mile encourages public transportation and cycling which in turn
encourages community. My experiences in the past 13 hours confirm
that.
> Your's is a anti-democratic
Pay by mile doesn't interfer with universal suffrage.
> and anti-liberty mindset.
What about freedom from insurance premiums?
Bret Cahill
tg
No clue why anyone would object to this. More driving means more risk,
less driving less. No-brainer for those of us who believe in the
efficacy of markets.
-tg
BretC...@peoplepc.com
> > > > contacted insurance companies, the American Federation of Cyclists,
> > > > the Energy Efficient Economy Inst., etc.
> > > > The argument was it would clear vehicles from the streets. Americans
> > > > like a car parked out in the driveway but they don't like 24/7 the
> > > > overhead.
> > > > A year or so later _Harpers_ ran a piece on pay by mile.
> > > > Progress happens.
> > > It's just another artificial
> > Electroninc communication is artificial too.
> > > constraint
> > If you don't want pay by mile just keep your conventional policy.
> > It's an _option_.
> > > on people's ability to form a
> > > viable community and society.
> > Pay by mile encourages public transportation and cycling which in turn
> > encourages community. �My experiences in the past 13 hours confirm
> > that.
> > > Your's is a anti-democratic
> > Pay by mile doesn't interfer with universal suffrage.
> > > and anti-liberty mindset.
> > What about freedom from insurance premiums?
> No clue why anyone would object to this.
That poster is nuts. Even oil industry shills will keep their mouths
shut on the matter.
Geico already has a ~ 20% discount if you drive less than 3,000 miles/
year.
Texas has some $100/year plan for show cars that are driven less than
some distance a year.
Maybe he confused health insurance for high risk patients with driving
a lot.
The difference is a lot (most?) of health care costs doesn't hinge on
personal behaviour.
> More driving means more risk,
> less driving less.
The advantage of pay by day is you'ld pay more to drive when it was
dangerous, 4th of July and New Year's, and less when it was safe,
morning rush hour traffic.
Also there is no way to cheat pay by day. You phone in when you need
the vehicle and then drive. If you don't phone in and you are
stopped, you have no insurance and your car is impounded.
With pay by mile it's either high tech or they'll roll back the
odometer.
Moreover many miles on the freeway might be safer than a few miles in
town.
> No-brainer for those of us who believe in the
> efficacy of markets.
Bret Cahill
tg
Easy enough to put in an encrypted odometer that transmits mileage
every so often. You pay up front for a specific number of miles and
then you get billed or credited every month like a credit card.
If you want to distinguish between highway and local, you just have it
record trip miles by noting engine on and off events, as well as
speed. Not exactly that rocket science.
Come on Bret get with the 21st century. ;-)
-tg
BretC...@peoplepc.com
Requires retrofitting older cars and/or working with brain dead motor
companies for new vehicles.
> You pay up front for a specific number of miles and
> then you get billed or credited every month like a credit card.
True for any partial insurance, pay by time or pay by mile.
> If you want to distinguish between highway and local, you just have it
> record trip miles by noting engine on and off �events, as well as
> speed. Not exactly that rocket science.
But more than enough to slow progress.
Once a bureaucrat at DOT helped me get a clue as to the difficulty of
change. He gave me a short history of legalizing the rear windshield
brake light -- as low tech as you can get.
They took two sister Carribean islands and outfitted all the cars on
one with the mono brake light in the rear window. The one with the
extra light recorded fewer accidents per passenger mile yet they
_still_ had trouble getting it accepted.
Pay by time eliminates all arguments against partial insurance.
Bret Cahill
Bert Hyman
news:5f210586-2e4e-43c9...@q5g2000prf.googlegroups.com:
> The difference is a lot (most?) of health care costs doesn't hinge
> on personal behaviour.
The anti-smoking, anti-drinking, anti-eating, anti-sloth people
disagree.
--
Bert Hyman | St. Paul, MN | be...@iphouse.com
lorad
You two statist control freaks should get together and compare bondage
constraints.
And then try them out on each other.
BretC...@peoplepc.com
> > on personal behaviour.
> The anti-smoking, anti-drinking, anti-eating, anti-sloth people
> disagree.
_I'm_ an anti-smoking, anti-[excessive] drinking anti-sloth person.
This doesn't mean I challenge the heart disease stats that show 60% is
hereditary, and 40% lifestyle.
Bret Cahill
BretC...@peoplepc.com
> > > > > > > contacted insurance companies, the American Federation of Cyclists,
> > > > > > > the Energy Efficient Economy Inst., etc.
> > > > > > > The argument was it would clear vehicles from the streets. Americans
> > > > > > > like a car parked out in the driveway but they don't like 24/7 the
> > > > > > > overhead.
> > > > > > > A year or so later _Harpers_ ran a piece on pay by mile.
> > > > > > > Progress happens.
> > > > > > It's just another artificial
> > > > > Electroninc communication is artificial too.
Notice the dodge?
> > > > > > constraint
> > > > > If you don't want pay by mile just keep your conventional policy.
Notice the dodge?
> > > > > It's an _option_.
> > > > > > on people's ability to form a
> > > > > > viable community and society.
> > > > > Pay by mile encourages public transportation and cycling which in turn
> > > > > encourages community. My experiences in the past 13 hours confirm
> > > > > that.
Notice the dodge?
> > > > > > Your's is a anti-democratic
> > > > > Pay by mile doesn't interfer with universal suffrage.
Notice the dodge?
> > > > > > and anti-liberty mindset.
> > > > > What about freedom from insurance premiums?
Notice the dodge?
> > > > No clue why anyone would object to this.
>
> > > That poster is nuts. �Even oil industry shills will keep their mouths
> > > shut on the matter.
. . .
> You two statist control freaks
It's just a another financial product or service choice that is sold
on the free market.
Why do you have against choice?
Bret Cahill
Shrik...@gmail.com
What the hell are you on about. Insurance companies
in my state already give different rates based on how many
miles you drive. It isn't a linear function, it's a step function,
but it's still already done.
tg
> > > > > > >
> . . .
>
> > You two statist control freaks
>
> It's just a another financial product or service choice that is sold
> on the free market.
>
> Why do you have against choice?
>
These people just don't appreciate how effective free markets can be.
They are in love with the all-powerful State but try to hide it by
acting as if they are not.
-tg
> Bret Cahill
Shrik...@gmail.com
So what? The real expensive lifestyle choice is
longevity. Everybody knows that.
Rod Speed
>>>>> Several years ago I waged a campaign for pay by day auto
>>>>> insurance. I contacted insurance companies, the American
>>>>> Federation of Cyclists, the Energy Efficient Economy Inst., etc.
>
>>>>> The argument was it would clear vehicles from the streets.
>>>>> Americans like a car parked out in the driveway but they don't
>>>>> like 24/7 the overhead.
>
>>>>> A year or so later _Harpers_ ran a piece on pay by mile.
>>>>> Progress happens.
>
>>>> It's just another artificial
>
>>> Electroninc communication is artificial too.
>
>>>> constraint
>
>>> If you don't want pay by mile just keep your conventional policy.
>
>>> It's an _option_.
>
>>>> on people's ability to form a
>>>> viable community and society.
>
>>> Pay by mile encourages public transportation and cycling which in
>>> confirm that.
>
>>>> Your's is a anti-democratic
>
>>> Pay by mile doesn't interfer with universal suffrage.
>
>>>> and anti-liberty mindset.
>
>>> What about freedom from insurance premiums?
>
>> No clue why anyone would object to this.
>
> That poster is nuts. Even oil industry shills will keep their mouths
> shut on the matter.
>
> Geico already has a ~ 20% discount if you drive less than 3,000 miles/
> year.
>
> Texas has some $100/year plan for show cars that are driven less than
> some distance a year.
>
> Maybe he confused health insurance for high risk patients with driving
> a lot.
>
> The difference is a lot (most?) of health care costs doesn't hinge on
> personal behaviour.
>
>> More driving means more risk,
>> less driving less.
>
> The advantage of pay by day is you'ld pay more to drive when it was
> dangerous, 4th of July and New Year's, and less when it was safe,
> morning rush hour traffic.
> Also there is no way to cheat pay by day.
Pig ignorant lie.
> You phone in when you need the vehicle and then drive. If you don't phone
> in and you are stopped, you have no insurance and your car is impounded.
Pity about the cost of all that checking.
Just another utterly mindless hare brained scheme.
> With pay by mile it's either high tech
Completely trivial with GPS, stupid.
> or they'll roll back the odometer.
> Moreover many miles on the freeway might be safer than a few miles in town.
No might be about it.
>> No-brainer for those of us who believe in the efficacy of markets.
The wankers...
Rod Speed
>>>>>>> Several years ago I waged a campaign for pay by day auto
>>>>>>> insurance. I contacted insurance companies, the American
>>>>>>> Federation of Cyclists, the Energy Efficient Economy Inst., etc.
>>>>>>> The argument was it would clear vehicles from the streets.
>>>>>>> Americans like a car parked out in the driveway but they don't
>>>>>>> like 24/7 the overhead.
>>>>>>> A year or so later _Harpers_ ran a piece on pay by mile.
>>>>>>> Progress happens.
>>>>>> It's just another artificial
>>>>> Electroninc communication is artificial too.
>>>>>> constraint
>>>>> If you don't want pay by mile just keep your conventional policy.
>>>>> It's an _option_.
>>>>>> on people's ability to form a
>>>>>> viable community and society.
>>>>> Pay by mile encourages public transportation and cycling which in
>>>>> turn encourages community. My experiences in the past 13 hours
>>>>> confirm that.
>>>>>> Your's is a anti-democratic
>>>>> Pay by mile doesn't interfer with universal suffrage.
>>>>>> and anti-liberty mindset.
>>>>> What about freedom from insurance premiums?
>>>> No clue why anyone would object to this.
>>
>>> mouths shut on the matter.
>>
>>> Geico already has a ~ 20% discount if you drive less than 3,000
>>> miles/ year.
>>
>>> Texas has some $100/year plan for show cars that are driven less
>>> than some distance a year.
>>
>>> Maybe he confused health insurance for high risk patients with
>>> driving a lot.
>>
>>> The difference is a lot (most?) of health care costs doesn't hinge
>>> on personal behaviour.
>>
>>>> More driving means more risk,
>>>> less driving less.
>>
>>> The advantage of pay by day is you'ld pay more to drive when it was
>>> dangerous, 4th of July and New Year's, and less when it was safe,
>>> morning rush hour traffic.
>>
>>> need the vehicle and then drive. ?If you don't phone in and you are
>>> stopped, you have no insurance and your car is impounded.
>
>>> With pay by mile it's either high tech or they'll roll back the
>>> odometer.
>
>>> Moreover many miles on the freeway might be safer than a few miles
>>> in town.
>
>> Easy enough to put in an encrypted odometer that transmits mileage
>> every so often.
> Requires retrofitting older cars and/or working with brain dead motor companies for new vehicles.
Nope, it can all be done using GPS, stupid.
And that allows the system to charge a different rate for high risk and low risk roads and freeways too.
>> You pay up front for a specific number of miles and
>> then you get billed or credited every month like a credit card.
> True for any partial insurance, pay by time or pay by mile.
>> If you want to distinguish between highway and local, you just have
>> it record trip miles by noting engine on and off ?events, as well as
>> speed. Not exactly that rocket science.
> But more than enough to slow progress.
Only for the fools that havent got a clue about the technology.
> Once a bureaucrat at DOT helped me get a clue
Not even possible.
> as to the difficulty of change. He gave me a short history of legalizing
> the rear windshield brake light -- as low tech as you can get.
> They took two sister Carribean islands and outfitted all the
> cars on one with the mono brake light in the rear window.
> The one with the extra light recorded fewer accidents per
> passenger mile yet they _still_ had trouble getting it accepted.
> Pay by time eliminates all arguments against partial insurance.
Nope. Because there is no way to ensure that everyone will always be insured when driving.
Rod Speed
Thats mindlessly superificial when those who have a hereditary tendency to
heart disease can still greatly reduce their risks by their personal behaviour.
And there might just be a hell of a lot more involved in health care costs than just heart disease anyway.