

Seatbelt ignition interlocks haven't been used since the 70s




BMW M4 Coupe Concept



Source: Detroit News

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RE: Just another..
By Dr of crap on 8/30/2013 12:35:48 PM , Rating: 0
Sure all fine and dandy, then lets go the next step,
If your, obese you pay extra for healthcare, and I mean a lot extra,
Your a smoker, you have a much bigger insurance cost.
You don't ware a helmet on your motorcycle - no coverage for accidents, you don't wear a helmet on your pedal bike, no accident coverage,

An on, and, on, and on...
You see how this is not the answer.??

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US Population Obese in 2010: 36%
US Population Overweight & Obese in 2010: 69%


RE: Just another..
By Solandri on 8/30/2013 1:46:58 PM , Rating: 5
Insurance is supposed to help spread out of the cost of random incidents and accidents.

If you choose to overeat, choose to smoke, choose not to wear a seat belt, or choose not to wear a helmet, those aren't random incidents or accidents. You're making a conscious choice which directly inflates your risk. I have no problem with taking people who choose a riskier lifestyle and putting them into a more expensive insurance pool.

RE: Just another..
By Rukkian on 8/30/2013 2:20:35 PM , Rating: 3
So basically you are against any kind of personal responsibility, and others need to pay for your bad habits.

I have no problem with anything you are suggesting, it sounds like the correct way to do it. You are good at convincing me this is the correct course of action.

Why should I have to pay more for my insurance when I never have an accident, pretty much never speed, don't run red lights, don't tailgate and wear my seatbelt. I think it all goes hand in hand.

To me, if we could have penalties for idiots, we wouldn't need more laws like the seatbelt laws.

RE: Just another..
By Reclaimer77 on 8/30/13, Rating: -1
RE: Just another..
By SeeManRun on 8/30/2013 3:39:58 PM , Rating: 2
You are 100% wrong. If you have a 200k accident, does your insurance go up by 200k? Insurance spreads out the cost. When your insurance company pays out less in claims because there are fewer thefts, or fewer accidents, or fewer whatever, they can either give you back some money on your insurance, or pay out to shareholders.

Either way, it gets cheaper for them and the money they saved goes somewhere. The exact opposite is true too. If your insurance has stayed the same in 20 years with no increases, then you have one hell of an insurance company, because I haven't had a claim in 10 years and my rates fluctuate as I described above.

RE: Just another..
By Reclaimer77 on 8/30/2013 4:29:48 PM , Rating: 1

What in the hell DOESN'T go up? Is food or gas or just about anything cost the same as it did 10 years ago? No.

Insurance goes up for many many reasons. But it's completely disingenuous to say that someone not wearing a seat belt directly drove up your insurance rates. That's hyperbole, and you can't honestly use it to propose whatever you want.

RE: Just another..
By SeeManRun on 8/30/2013 4:37:07 PM , Rating: 3
My rates have only gone up once in my life, and it was because of me, not some faceless person who didn't wear a seat belt.

I am only going on what you're saying. If you mean something else it would really be awesome if you said what you mean instead of mean what you say.

Anyway, insurance only goes up for 1 reason, not many; costs. Now, costs go up for many reasons, including administration, taxes, number of accidents, dollars per claim, fraud investigation, litigation, lobbying... The list goes on. But, if you believe wearing a seatbelt, or having an airbag statistically reduces the odds of being injured in a crash, then you can say that motorists not wearing seatbelts will have a direct impact on your rates (assuming they were wearing them before, if they never wore them then your rates are higher than they could be if they were wearing them).

RE: Just another..
By Rukkian on 8/30/2013 4:03:53 PM , Rating: 2
How about uninsured motorist?

Also, if it were only based on me, mine would be pretty much zero, but I currently pay for all the idiots that also have insurance that are not safe drivers.

This is where I like things like progressives snapshot - easy 30% discount for me by proving I am not an idiot. Give me seat belt lockout and drop another 10% off my bill, and I will be happy.

RE: Just another..
By Reclaimer77 on 8/30/13, Rating: 0
RE: Just another..
By Paladin21 on 8/30/2013 4:59:48 PM , Rating: 2
What they're actually saying is that they want to cut safety features that only matter if you aren't buckled. The knee bolsters they refer to are to keep your ass from getting launched out of the car if you don't have a belt on. If you do have a belt on, they do nothing. Trying to claim they want to make the car "less safe" is a gross overstatement. If you meant to say "less safe for me because I'll wire around the lock and not wear a seatbelt anyway"...well, that could very well be the case (or not).

RE: Just another..
By Reclaimer77 on 8/30/13, Rating: 0

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