[Zhang Fei]

I remember a NY study in which police stopped every 10th car in the evening going to Long Island for alcohol testing. They found and amazingly large number of violations, far greater than drunk driving accident figures had suggested. The conclusion was that middle aged office workers who had a few too many after work were driving extra careful and not causing accidents. Accidents are mostly caused by reckless wild acting, inexperienced young drivers, predominantly male.

And that is exactly why young guys have sky-high insurance rates. Currently, insurance companies charge black areas higher rates because accident rates there are higher, but in reality, black drivers are probably more accident-prone in the same way that blacks are more crime-prone. I'm surprised Obama's DOJ hasn't launched a disparate impact case against the insurance companies for "discriminating" against majority black areas by charging them higher rates.

[gdani]

....but in reality, black drivers are probably more accident-prone in the same way that blacks are more crime-prone.

Once in a hole, it is many times better to stop digging.