I think jbarciauskas said this better than I can, but how is it at all dishonest? Yes, there may be specific inputs that cause these rates to be what they are, and those inputs may be obvious. But the conclusion seems equally obvious, and perfectly honest: insurance costs more in Black neighborhoods. Acknowledging the inputs only makes a stronger argument for institutionalized racism.
It's dishonest because non-black people in those "black neighborhoods" are also paying the "racist" premium. It's not like non-black people are paying 10% less while living on the same block and purchasing the same insurance.
Car insurance varies by how many miles you drive on average, because, shocker, driving more miles means a higher risk of a driving accident. What happens if the data reveal that black people drive more on average and subsequently have to pay more for auto insurance?? Relatedly, is it sexist that men pay more than women for the exact same policy on the exact same car in the exact same zip code? Since men get into more serious accidents, it doesn't appear to be sexist to me..
Univariate analyses like this need to mump off and die.
anamexis|5 years ago
hnlurker|5 years ago
Car insurance varies by how many miles you drive on average, because, shocker, driving more miles means a higher risk of a driving accident. What happens if the data reveal that black people drive more on average and subsequently have to pay more for auto insurance?? Relatedly, is it sexist that men pay more than women for the exact same policy on the exact same car in the exact same zip code? Since men get into more serious accidents, it doesn't appear to be sexist to me..
Univariate analyses like this need to mump off and die.