Hacker News Reader

So traffic gets worse. Got it, thanks.

By the way, I guarantee their actuarial tables don't know whether you're creating high g forces in or out of control.

And now we've created a system that punishes the driver that brakes hard to avoid the tentative turner, who is incentivized to make the situation MORE dangerous by turning timidly.

View on HN

I reject the certainty with which you stated your opinion. Actuarial tables don't "know" anything, but they are models, and as such, they can include in control / out of control as features.

I think it'd be pretty easy for sensors with a CPU to determine what's out of control. That tech is well developed and very stable, similar to how iOS can tell the difference between me walking and me shaking my phone.

Sensors can't tell what is appropriate. Is a 1.5G acceleration automatically dangerous? Maybe it's necessary, given the circumstances. Circumstances that are never considered when the insurance company chooses an arbitrary number that conveniently boosts their revenue.

That's correct.

Because they're not trying to reward you/punish someone else.

It's a risk mitigation tactic, despite what Progressive's commercials frame it as.

Reply on news.ycombinator.com