Michigan Insurance

Once flounder of sexist jokes, women now represent pilots a real danger: they act much more to do, as the men behind the wheel. After more than the same amount in their numbers on the road, women are the gains in sectors where they are still far behind the delays: accidents and deaths.

As they compete with men in the world of work and the other to remove the differences in the roles, women under 25 years, in particular, are also paying heftier insurance premiums auto.

”What we see today is a confusion of important differences between men and women Americans in comparison to 10 years and 20 years, which is Autobahn accidents in statistics,’’said Brian O’Neill, president of the Insurance Institute for Highway Safety, sponsored by industry research group, headquartered in Arlington, Va.

Women”are used in the right lane and stay there,”observed Capt. Patrick McQueeny of Rhode Island State Police. ”Now you see more acceleration and their weaving and out of vehicular traffic. It is not uncommon to find them behind the bombing vous”à 80 km / h

When a group of men and women even further in the acceleration and drink in the context of high risk. But how many deaths among male drivers held during the last ten years, the mortality rate among women has increased. Two decades ago more than five times as many motorists were men in road transport, as falling women killed driver. Today, the ratio decreased by 3 to 1

And during a period where campaigns against drunken driving to reduce the number of fatal accidents for both sexes, the mortality rate of women in accidents on the Liquor not fall, as higher than the rate of Unemployment among men.

From a historical perspective pay the advantage of women under 25 years, the automobile insurance rates, compared to almost half of the last 20 years, according to figures Assekuranz.

In 1980, for example, women non ages 17 to 20 paid 47 percent above the basic interest rate to compensate adults for insurance, while men in the same group of age paid 187 percent more, after the Insurance Services Office, one in New York, a nonprofit organization, advises the industry rate. Until 1995, comparable rates for women jumped by 115 per cent above the base interest rate to pay for it; rate of young men, meanwhile, dipped slightly to 185 percent of the base amount. It was even greater convergence of premiums for men and women in the group 21-24.

”The frequency of accidents involving young women, who doubted our claims has increased, while it remains a constant for men compared to the same period,”noted Dale Nelson, a secretary of State for Farm of the nation’s largest insurer The self insurance.

The researchers draw attention to a multitude of economic and social reasons for change. Of course, they say, more women are the driving force today than ever before. During the year 1994 was the nation 175 million licensed drivers were almost evenly between men and women. In 1963, women under 40 percent of 93.5 million licensed drivers.

Not only there are more women drivers on the road, but they are also much more miles of driving per year than their mothers - often at night and in bad weather conditions, if the accident rate Spike. Apart from clocks to employment, women are more than their share in the conduct of children of kindergarten, school and weekend activities.

”The men lead long distances, but women take more trips,’’said Patricia Waller, director of the University of Michigan Transportation Research Institute.

What is worrying”, such as social pressure put women more at risk,’’she said. Single”mères, most of the daily trips of a group, often under great stress and distractions. Racing to take a child in a day centre, so that you can not be punished, $ 1 per minute, if you delay can be very stressful.”

Yet, Mr. Nelson of State Farm, among others, said he doubted that the driver would be more and more women with men, a total of aggressiveness or High-Risk behaviour as Road Racing, drunk vehicles and the use of vehicles as a weapon against other road users. It is an axiom of the industry that testosterone is the most powerful drug on the road accidents.

Indeed, insurance der””Unisex critical evaluation in Michigan, Pennsylvania, North Carolina, Hawaii and Montana say that the laws which prohibit insurance companies non-discrimination between the sexes, young women leave actually subsidizing the bad driving records of men. Diana Lee, Assistant Vice President of the National Association of Independent insurer, said that, in a note unisex as Michigan State, a young woman pay $ 400 per year for car insurance, when they on the basis of equivalent in other U.S. standards.

Women are not more aggressive in their careers, competing with men in the same areas, and this is not a surprise, this model would, of course, a transfer into their lifestyles and behaviour road ‘ ‘ “said Lee. But young femmes”conducteurs always lower cost than the loss of male drivers.

Captain Paul Krisavich of the Connecticut State Police agreed that women as a group rather greater security than men were conscious. ”But you will find durchsetzungsfähig are now more of a negative way on the roads, it was rapidement”à added. You do as obnoxious Betrunkenen women at the wheel than men. He added that, if it continues not to be marked with a bunch of cars, he noted that women are both drivers making obscene gestures that male drivers.