Recent comments in /f/jerseycity

samwiseganja96 t1_jbgyrk8 wrote

You seem to be under the impression that I said fear of being caught is the only reason for not commiting crimes. There's a whole host of contributing factors to why people do or do not commit crime. One of those factors is how easy the person commiting or not commiting crimes can be caught. This is the main reason why cameras are put on stores. Some stores even put fake cameras.

Again I understand if you're having a hard time understanding these concepts as you seem to be having a hard time understanding what I am saying. You seem to cherry pick certain words I use and argue against those instead of arguing against the logical statements I'm making.

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Unspec7 t1_jbgxr53 wrote

Sure, you gave me factual statements, but there was no inferences to be drawn so I ignored it. How do you know that the 5 states with the highest rate of hit and runs aren't also the states with the highest rate of identification? You only gave me a national statistic for identification, not a state-by-state break down.

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Unspec7 t1_jbgxeo9 wrote

>I would probably say that we don’t have enough evidence at this point (or at least it is too tenuous) to conclude anything.

I agree. Insurance rates are a pretty tenuous connection as we all know how complicated premium calculations can be. A dog barks in Ohio and rates go up in Mississippi. I figured it might be somewhat illustrative, but it's still only a potential correlation, and not a causation.

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Unspec7 t1_jbgx7uj wrote

>Honestly I was surprised by this data. What do you think explains it?

There's a lot of factors that go into insurance premium calculation. For example, for states that don't require vehicle inspections, insurance might be higher due to a higher risk of injury due to potentially unsafe vehicles. No fault states might see higher premiums due to being unable to recover from the other side. Etc.

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Knobbies4Ever t1_jbgo8f3 wrote

Very interesting that the difference in insurance costs is $170/year between states that require a front plate, and those that don't. OK, "only" 8%, but $170 is a decent chunk of change.

What's really weird is that many of the "no front plate" states are low cost-of-living states. Seems like that would help push insurance rates down, right?

Team Front Plate has NJ, NY, CA, MA - all of New England and the west coast - notoriously high COL parts of the country - lots of bureaucracy, regulations etc. Yet the average insurance premiums are $170/year less among this cohort.

Honestly I was surprised by this data. What do you think explains it?

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samwiseganja96 t1_jbgky53 wrote

Yes fear of being caught. Less of a chance to be caught with 1 location on a vehicle that has a unique identifier as opposed to 2 locations with a unique identifier. Less of a chance to be caught doing something means that more people are going to do something right.

It's okay if this is a hard concept for you to understand.

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