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Originally Posted by Bill O'Rights
Says the insurance man.  |
Nice point. Insurance, though, is about taking known behaviors, assigning a risk factor to them, then gambling that those factors will hold true about the individual. After all, not all teenage boys will get in car wrecks. If they did, they'd be uninsurable. Since they don't but still get in proportionally more, they pay a higher price for the coverage since they represent a higher risk.
I think that my theory still fits with the realities of my life. I like to think so, anyway.