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charlie

wrote:
On Fri, 15 Jan 2010 10:39:53 -0700, "charlie"
wrote:

Swingman wrote:
On 1/15/2010 11:26 AM, charlie wrote:
Swingman wrote:
On 1/15/2010 10:37 AM, Larry Jaques wrote:

Has anyone figured out what the differences in risks are between:
A) Walking home from work in a large/medium/small/rural city.
and
B) Circumnavigating the globe at age 16?

I don't have time for the search, but I hope someone does and
gives us the stats.

Don't know about that, but the insurance industry can damn sure
give you the stats for how lack of "experience" and mature
"judgment" justifies the increased cost of insuring 18-25 year
old while operating motor
vehicles.

I can't imagine this statistical fact somehow magically
disappearing at sea.

apples to grapefruit comparison. the two aren't comparable. the
distractions to driving and the quick changing road environment
simply aren't there in mid-ocean

Horse****! ... lack of experience and mature judgment are factors of
age, not type of activity.

then you prove your counter argument.

lack of experience for a 16 y.o. isn't this case, as it is in a new
driver at 16 y.o. she has been sailing for at least 10 years and has
the experience.

comparing her to a driver with 10 years of driving experience would
be comparable.

Actually, that isn't directly comparable. The average person, once
they have their driver's license doesn't spend every moment they are
driving, trying to improve their skills and knowlege. The average
sailor never stops trying to learn more and improve their sailing.
Comes with the territory.

the topic under discussion is insurance statistics and comparing general
population individuals. they also don't know if the average driver has
stopped learning (they wouldn't know that i have years of high speed car
racing experience with multiple racetrack classes, for example, which may
make me a bit safer than the average driver). they would only compare
similarly aged drivers against each other, with modifications as to years of
driving experience, lack of prior accidents, ticket history, and perhaps
other non-related things like credit score.