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Insurance

August 3, 2020 by Kelly

So many thing influence what we pay for variable services, like insurance. In the US, where car insurance is mandatory, you can pay more or less based on your age, gender, location, driving distance per year, type of car, age of car, driving record and marital status.

And I’m fine with all of those, except the final one.

You cannot accurately predict someone’s risk based on if they are married. Simply cannot.

The outdated and archaic belief that married people are happier, more stable, and drive safer because they have someone to go home to? Bullshit.

I am less likely to argue with someone in the car, less likely to drive off angry, less likely to spend the evening drinking at a bar before going home, and less likely to let some idiot drive my car and wreck it.

There are a lot of jokes about the “single tax” such as my friends who pay for online dating sites, a monthly reminder of how much it costs to be alone, and tax benefits only available for married couples.

Don’t even get me started on every story of a person who died young whose mother cries saying, “she never got to get married and be happy” as if those two are guaranteed to go together. It’s almost as annoying as “once they have kids they’ll have a real family.” Fuck all the way off please.

But I don’t really care if family meals aren’t conducive for a single person or it costs more (per person) to travel and rent a hotel room. I do care that I am charged 10% more, every year, for car insurance because I’m not a Mrs.

Filed Under: Hamilton Challenge

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