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HonoreDB comments on A sense of logic - Less Wrong
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Ditto for car insurance commercials that boast that they don't penalize people for having accidents--they just reward people for not having accidents.
That one might actually make sense.
Instead of a cumulative per-wreck penalty, which nearly negates the point of buying insurance at all, a 'safe driving award' system means that there are only two tiers of pricing (based on #accidents, at least - other factors are still open for discrimination), which caps the potential adverse selection without forcing the company to ignore a valuable piece of data about the client's skill and driving habits.
Also, it could be taken as a signal that quoted prices don't reflect an unrealistically idealized customer.