[acdha]

> I often feel that it's unfair that I pay more as a male, because I am an extremely responsible and defensive driver - fact is, men cause more expensive accidents more often. That's the data, that's what insurers care about.

Same - I remember a few friends complaining about this but an older friend basically explaining how insurance worked from the perspective of the company. Almost everyone will swear that they’re a great driver, and they can’t tell the difference until you’ve been driving for years. The only alternative would be the kind of monitoring + speed limiters that most drivers get extremely upset about so it’s unlikely to change before we get L5 self-driving.