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Do you mean the kind where my wedding cake costs twice as much because I'm gay or the kind where my car insurance costs twice as much because I'm a serial car wrecker?


What about the case where your car insurance costs twice as much because some of your neighbours are serial car wreckers?


Uhm, that's EXACTLY how insurance policies are calculated..

Local insurance claims gears the local premiums, obviously.

If you live in the city with the worst drivers in the country, your premiums will be high.




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