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From: albert@harvard.ARPA (David Albert)
Newsgroups: net.politics
Subject: Re: Seat-belt laws:  It's not an issue of freedom
Message-ID: <377@harvard.ARPA>
Date: Mon, 11-Feb-85 21:12:13 EST
Article-I.D.: harvard.377
Posted: Mon Feb 11 21:12:13 1985
Date-Received: Wed, 13-Feb-85 03:22:45 EST
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Organization: Aiken Computation Laboratory, Harvard
Lines: 24

> Why wouldn't it be practical to have different rates for those who wear
> seatbelts ...?
>
> 	--Cliff [Matthews]

Isn't it clear that such a rate structure could never be
enforced?  If you were presented with the choice of paying
a higher rate or saying you wore a seatbelt, which would
you do?

Sure, maybe the insurance company could refuse to pay if
you were found dead in your car with your seatbelt off.
But could they prove you hadn't taken it off after the
accident?  And if it were on, could you prove that you
hadn't put it on at the last minute -- thus removing your
hands from the wheel and contributing to the accident --
to avoid losing your insurance?

-- 
"...sometimes I've believed as many as six impossible things
before breakfast."

David Albert
ihnp4!ut-sally!harvard!albert (albert@harvard.ARPA)