https://insurify.com/car-insurance/knowledge/assigned-risk-a...
re: 2) yes that was the point. She'd have to be paying multiple thousands in an assigned-risk pool policy with that record of at-faults.
The victim's own insurance will pay if they have uninsured motorist coverage (you'd be a fool not to have it, living in LA at least), but there is basically no punishment for the uninsured driver, assuming a fender-bender. The police won't do anything. The insurance companies don't think it's worth their time to try to squeeze out something from someone who probably has almost nothing anyway.
In almost every state, you may post a bond in lieu of insurance, for an amount as low as $35,000!
Further suppose you define “good driving” as a set of behaviors but failed to include narcolepsy or similar medical conditions in your definition, then some of your “good” drivers would represent a significant risk to the general public. Thus the actual criteria the defines good driver behavior is accidents.
> as a set of behaviors
I think you're thinking about "set" and "behaviors" incorrectly here. The definition wouldn't need to state "and doesn't fall asleep", because abstractions like "being attentive" and "anticipating things that might go wrong" already cover that.
It’s an illiterate example not a literal one. The point is trying to state the full set of behaviors that represent safe driving will fail.
> The definition wouldn't need to state "and doesn't fall asleep", because abstractions like "being attentive" and "anticipating things that might go wrong" already cover that.
And here you failed, “Being attentive” is a proxy for the behavior you want not inherently valuable. Information saturation also results in accidents, though this is more commonly recognized in aviation the same is true of driving.
Specificity is required not just platitudes.
Information saturation is another way of saying attention incapacity.
We don’t have NTSB reports for every car accident, so trying to draw the line on which behaviors are actually desirable is just a tautology with things that minimize accidents not some actual list. There’s many behaviors listed on NTSB reports that where assumed the be good ideas that turned out to be dangerous in practice.
I'm curious how this looks with various ways of normalizing for amount driven; is that no-accident crowd the quartile of drivers who don't drive very much? The biggest factor in being in the opposite group (the 10% of drivers with 50% of accidents) is "drive all the time, commercially or otherwise".