Car insurance rates are surging as Americans struggle to pay for basic necessities and ongoing debt.

The newest Consumer Price Index shows car insurance spiked 20 percent year over year. The surge in pricing occurred after years of gradual price inflation, with earlier reports finding the rates grew by 36 percent since 2020.

That’s at the same time debt is soaring for many Americans. While Americans hold around 1.75 trillion in student debt loans alone, they also have $1.05 trillion in credit card balances not paid off.

  • hddsx@lemmy.ca
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    9 months ago

    Red light cameras cause accidents because people slam on their brakes too hard.

    • Tak@lemmy.ml
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      9 months ago

      I’d think both cause accidents and it’d be better to replace lights as we know them whether that is with roundabouts or with more intelligent lights. I’d personally love to know how much time I have remaining on a light so I know if I can make the protected turn or if I should slow.

      • ShunkW@lemmy.world
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        9 months ago

        I’ve seen lights like that before. They were more of a distraction in my opinion. I’ve also seen lights that cycle back from red, attempting to allow people to clear the intersection before being tboned I guess?

        • SuiXi3D@kbin.social
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          9 months ago

          Maybe the solution is to instead re-educate everyone on how to drive in such a manner as to consider the traffic behind them.

      • hddsx@lemmy.ca
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        9 months ago

        Agreed, but defense driving dictates that you should be aware of the tailgating asshole behind you

        • deadbeef79000@lemmy.nz
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          9 months ago

          … and not be speeding in the first place.

          None of this is the fault of any enforcement action, it’s the fault of poor driving.

    • reddig33@lemmy.world
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      9 months ago

      Which do you think is a costlier and deadlier accident:

      • someone slamming on their brakes and getting rear ended by a car that’s already coming to a slow/stop behind them
      • someone going at speed or faster through a red light and intersecting with an accelerating vehicle
      • RGB3x3@lemmy.world
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        9 months ago

        Most of the time, a red light camera causes someone to slam on their brakes to avoid passing through the red light, instead of just going straight through safely.

        It happens often when the light changes just before you get to the intersection and you’re going just fast enough that you’d have to slam on your brakes or go through the red light the second after it changes to red. Slamming on your brakes is more dangerous than moving through a clear intersection.

      • hddsx@lemmy.ca
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        9 months ago

        You’re making assumptions here.

        Scenario 1: You’re assuming that everyone is observing adequate stopping distance, has working brakes, and is adequately paying attention to slow down.

        Scenario 2: You’re assuming that green means it’s safe to go and that the cross traffic light turns green simultaneously with a given light going red.

        Let’s address the easy stuff first.

        In scenario 2, if my light just turned red that means the opposite light just turned green. This isn’t how stop lights work in practice. Usually, both sides of traffic are stopped momentarily before a light turns green such that traffic in the intersection can clear. Also, if you see a stop light that’s red you are usually slowing down. In other words, right before cross traffic gets a green light they are either stopped or slowing down, assuming they can adequately pay attention.

        Cars have mass. You don’t instantaneously go from 0 speed to speed limit. It takes a ramp up time. It is generally low risk to run a stop light immediately following a light change.

        Now to address both scenarios, we have to talk about defensive driving.

        1. Never assume someone is doing the right thing. If your light turns green, make sure cross traffic is slowing down before you proceed. Be ready to slam on your brakes if someone is going to blow through a red light late and at speed
        2. You can’t break physics. If the person behind you is not able to stop and you can safely make it through the intersection, do so. Otherwise, pick the safer of two accidents and learn from your mistakes.