Rajagra
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No I haven't back pedalled.
Women have more accidents per mile.
But they drive many fewer miles.
The overall effect is that they have fewer accidents on average than men (absolute numbers.) There is no contradiction.
Fictional, and extreme, example to illustrate the point:
Men drive on average 100,000 miles a year and average 10 accidents (1 per 10,000 miles.)
Women drive on average 10,000 miles a year and average 2 accidents. (1 per 5,000 miles.)
If an insurance company was giving a quote to a woman driving 10K miles a year, it might be reasonable to charge her 1/5 as much as an average man. (Based on actual probability of a crash.)
They would NOT say "she drives 1/10 as much as an average man, so we'll give her a 90% discount. But she's also a woman, women have 1/5 as many accidents, so we'll reduce the premium by a FURTHER 80%" (Which would result in a premium of only 2% of what a man would pay!)
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Women have more accidents per mile.
But they drive many fewer miles.
The overall effect is that they have fewer accidents on average than men (absolute numbers.) There is no contradiction.
Fictional, and extreme, example to illustrate the point:
Men drive on average 100,000 miles a year and average 10 accidents (1 per 10,000 miles.)
Women drive on average 10,000 miles a year and average 2 accidents. (1 per 5,000 miles.)
If an insurance company was giving a quote to a woman driving 10K miles a year, it might be reasonable to charge her 1/5 as much as an average man. (Based on actual probability of a crash.)
They would NOT say "she drives 1/10 as much as an average man, so we'll give her a 90% discount. But she's also a woman, women have 1/5 as many accidents, so we'll reduce the premium by a FURTHER 80%" (Which would result in a premium of only 2% of what a man would pay!)
Sent from my SM-G903F using Tapatalk