Unvaccinated pay more insurance?

[Doctor Phibes]

@copper said in Unvaccinated pay more insurance?:

I don’t like it because I doubt we have good numbers to identify who should pay how much.

But I love the idea of charging based on risk assuming insurance companies can do a good job of quantifying the risk.

We could charge extra for fat people, by the pound. We could charge extra for gays, people who get speeding tickets, sky divers, jay walkers, drug users, poor people, minorities and a whole host of higher risk types.

Gun ownership was one that you neglected to add, but that leapt unbidden to my tireless mind.

[Loki]

@copper said in Unvaccinated pay more insurance?:

I don’t like it because I doubt we have good numbers to identify who should pay how much.

But I love the idea of charging based on risk assuming insurance companies can do a good job of quantifying the risk.

We could charge extra for fat people, by the pound. We could charge extra for gays, people who get speeding tickets, sky divers, jay walkers, drug users, poor people, minorities and a whole host of higher risk types.

The concept of people paying more, smokers for example, and there are several others so the concept is not new.

I don’t think it will fly but I think vaccine mandates will get the job done.

I think at the end of the day we will not rely solely on coaxing the hesitant but have a dual strategy.

[George K]

@doctor-phibes said in Unvaccinated pay more insurance?:

Gun ownership was one that you neglected to add, but that leapt unbidden to my tireless mind.

Agree or not, but that is the law of the land. It's embedded in the Constitution, according to SCOTUS.

It's your prerogative to think that's stupid, but, as we know, "The law is an ass."

As an attorney who used to frequent The (old) New Coffee Room admonished many times, "If you don't like the law, change it." I would submit the same applies to the Constitution.

For the record, I own this many firearms: Zero.

[LuFins Dad]

@copper said in Unvaccinated pay more insurance?:

I don’t like it because I doubt we have good numbers to identify who should pay how much.

But I love the idea of charging based on risk assuming insurance companies can do a good job of quantifying the risk.

We could charge extra for fat people, by the pound. We could charge extra for gays, people who get speeding tickets, sky divers, jay walkers, drug users, poor people, minorities and a whole host of higher risk types.

Again, we're not talking about paying extra for health insurance. He's talking about paying liability insurance or flat out fining people for not being vaccinated.

[Copper]

@lufins-dad

We reserve treatment like this for people we want to torture.

Torture is fine with me, but how do you quantify it?

[Doctor Phibes]

@george-k said in Unvaccinated pay more insurance?:

@doctor-phibes said in Unvaccinated pay more insurance?:

Gun ownership was one that you neglected to add, but that leapt unbidden to my tireless mind.

Agree or not, but that is the law of the land. It's embedded in the Constitution, according to SCOTUS.

It's your prerogative to think that's stupid, but, as we know, "The law is an ass."

As an attorney who used to frequent The (old) New Coffee Room admonished many times, "If you don't like the law, change it." I would submit the same applies to the Constitution.

For the record, I own this many firearms: Zero.

Yeah, I understand, it's an American thing - my point was about it increasing risk - it would be interesting to know what would happen if insurance companies started treating gun ownership like smoking, particularly since gun owners are a protected group, somewhat like ethnic minorities.

[George K]

@doctor-phibes said in Unvaccinated pay more insurance?:

it would be interesting to know what would happen if insurance companies started treating gun ownership like smoking

Good point.

Of course, that would have to be correlated with the incidence of gun-related crime and legal ownership of firearms.

Good luck with that.

[Horace]

to the extent there's a positive correlation between having black skin and not wanting the vaccine... good luck getting legal mandates pushed through. I mean, as long as anybody is able to deploy the race card effectively. The progressive media won't be on the side of the race mongers, for a change, so it may not be feasible to play that card. But it may provoke some interesting discussions.

[Doctor Phibes]

@george-k said in Unvaccinated pay more insurance?:

@doctor-phibes said in Unvaccinated pay more insurance?:

it would be interesting to know what would happen if insurance companies started treating gun ownership like smoking

Good point.

Of course, that would have to be correlated with the incidence of gun-related crime and legal ownership of firearms.

Good luck with that.

No, there would have to be a correlation between gun-ownership and risk of injury. Nothing to do with crime at all.

You could say the same about motorcycle ownership.

[George K]

@doctor-phibes said in Unvaccinated pay more insurance?:

there would have to be a correlation between gun-ownership and risk of injury.

I'll agree that there is an increased risk of injury in households that have gun ownership. Same as swimming pools (which, according to Malcolm Gladwell are more dangerous).

However, to assign ALL injuries to those who legally own firearms is a heavy lift.

I wonder what percentage of gun-related injuries are caused by legally-owned firearms vs illegally-owned firearms.

The statistics are probably out there but I'm too lazy to look them up.

[Doctor Phibes]

@george-k said in Unvaccinated pay more insurance?:

@doctor-phibes said in Unvaccinated pay more insurance?:

there would have to be a correlation between gun-ownership and risk of injury.

I'll agree that there is an increased risk of injury in households that have gun ownership. Same as swimming pools (which, according to Malcolm Gladwell are more dangerous).

However, to assign ALL injuries to those who legally own firearms is a heavy lift.

I wonder what percentage of gun-related injuries are caused by legally-owned firearms vs illegally-owned firearms.

The statistics are probably out there but I'm too lazy to look them up.

It's more of an academic exercise. Copper listed a big bunch of people he felt were at higher risk and deserved to be punished financially, I just added one I thought he'd accidentally omitted.

[Aqua Letifer]

@doctor-phibes said in Unvaccinated pay more insurance?:

It's more of an academic exercise. Copper listed a big bunch of people he felt were at higher risk and deserved to be punished financially, I just added one I thought he'd accidentally omitted.

At least he made room for the gays.

[Doctor Phibes]

@aqua-letifer said in Unvaccinated pay more insurance?:

@doctor-phibes said in Unvaccinated pay more insurance?:

It's more of an academic exercise. Copper listed a big bunch of people he felt were at higher risk and deserved to be punished financially, I just added one I thought he'd accidentally omitted.

At least he made room for the gays.

We could do a Venn diagram. I wonder how many overweight gun owners are also gay hang-gliders. They'd make a hell of a mess if they crashed.