papps953
Contributor
There is no “police/insurance system”. The public elects legislators to draft laws. Mayors and governors are charged with enforcing those laws. Police are hired to work under the jurisdiction of the executive branch and enforce those laws.
The insurance company has spent a lot of money and found an interesting correlation. Generally speaking, people who violate the traffic laws are involved in more collisions than those who do not. Additionally, those who violate the traffic laws tend to get caught on occasion. Being smart people, the insurance agency has decided that people who break the laws, get tickets and have collisions are a higher risk than those who do not. Additional premiums are charged. The insurance company has even gone to the extent of looking at the type and color of car different people by and found a correlation between certain cars, colors, and driving behavior.
Braking ability is mainly determined by the road surface. While it is true certain tires and vehicles are able to "grip" the road better, the difference in stopping ability is not that great. And, while it is true some drivers are highly experienced and are capable of driving 20 or 30 miles over the speed limit, the problem is still the fact the streets are an uncontrolled environment. No matter the skill reaction time is still the same. When a car pulls out from an alley, or a child jumps off the sidewalk all the training in the world could be a mute point.
The insurance company has spent a lot of money and found an interesting correlation. Generally speaking, people who violate the traffic laws are involved in more collisions than those who do not. Additionally, those who violate the traffic laws tend to get caught on occasion. Being smart people, the insurance agency has decided that people who break the laws, get tickets and have collisions are a higher risk than those who do not. Additional premiums are charged. The insurance company has even gone to the extent of looking at the type and color of car different people by and found a correlation between certain cars, colors, and driving behavior.
Braking ability is mainly determined by the road surface. While it is true certain tires and vehicles are able to "grip" the road better, the difference in stopping ability is not that great. And, while it is true some drivers are highly experienced and are capable of driving 20 or 30 miles over the speed limit, the problem is still the fact the streets are an uncontrolled environment. No matter the skill reaction time is still the same. When a car pulls out from an alley, or a child jumps off the sidewalk all the training in the world could be a mute point.