Just a few very local teenager / fast car related deaths.....

Borrowed from OC Register and LA Times.

December 20th 2006 - 3 teenagers killed and two were critically injured early today when their car swerved to avoid hitting another vehicle in Los Feliz and slammed into a tree and burst into flames.

October 2006 - Nicole Catsouras, 18, died after she lost control of a Porsche 911 at over 100 mph before crossing the median and crashing into southbound toll booth.

September 2006, Parees Ghassemian, 18, of Laguna Niguel died in an impromptu street race. Twenty-year-old Arya Asgarynejad of Irvine was arrested on suspicion of manslaughter and operating a vehicle with gross negligence causing death. Two girls were injured, one seriously. Tara Moghamdam, 17, is in critical condition at CHOC at Mission. Kara Jafarina, 18, is in fair condition. A third passenger, Mohsen Modjtahedi, 20, of Irvine was not injured.

July 2006 - Ryan Case, 18, of Rancho Santa Margarita veered off the road and struck a tree after driving near 60 mph on the road posted for 35 mph.

June 2006 - Jeremy Whealen, 17, of Lake Forest was killed after losing control while speeding.

(previous two where the same road)

January 2006 – Jeffrey Scott Charters of Anaheim is killed driving his 1998 Honda motorcycle south on State College Boulevard shortly after noon when a 2004 Toyota Camry pulls out to make a left turn. A witness told detectives Charters had been racing a second motorcyclist.


August 2005 – Brian Doyel and Christopher Goessling, both 19, are killed when the borrowed Ferrari they are riding in crashes into a tree while traveling on Nohl Ranch Road in Anaheim Hills.


April 2005 – 10-year-old Kylee McGowen is killed instantly when the Ford Mustang she is riding in is hit by a Nissan 240 SX racing down Brookhurst Avenue in Fountain Valley. The Nissan's driver, Ahmed Shakir Dakhil, is charged with murder.


August 2004 – In Laguna Niguel, five teenagers in an SUV clip another car before spinning out of control and smashing into a concrete wall during a street race, critically injuring a 17-year-old passenger. The impact also sends pieces of bricks down a 25-foot backyard slope, shattering a sliding-glass bedroom door and injuring a man asleep in bed.


August 2004 – Brianna Moore, 14, of Mission Viejo dies in a high-speed crash at 6:45 a.m. at Niguel Road, south of Marina Hills Drive. Preliminary investigation of the accident indicates the driver was traveling more than 90 miles per hour. Four others in the car sustain serious injuries.

Feb 29th 2004 - Shahajahan Pacheco was celebrating his 21st birthday on Feb. 29, 2004, and was drinking when he got behind the wheel of his Mitsubishi Diamante shortly after midnight and started racing a stranger in another car. At Commonwealth Avenue and South Brookhurst Road in Fullerton, Shahajahan Pacheco approached a red light.

Instead of stopping for the red light, he gunned his car and raced through the intersection. He smashed into a 1987 Cadillac being driven by Sunny Wagner, 36. Sunny Wagner was killed on impact.

August 2003 – Ryan Harris, 19, of Laguna Niguel and Mamdouh Youssef, 18, of Aliso Viejo die after crashing into a tree on the median of Crown Valley Parkway in Laguna Niguel. Police say speeding seems to have been a factor.


May 2003 – Margaret Levya, 74, of Huntington Beach is killed when Julio Enrique Trujillo of Santa Ana loses control of his yellow Mustang GT, striking the Volkswagen Golf driven by Levya. Trujillo and racing partner Rodrigo Gomez, 22, of Santa Ana each plead guilty to vehicular manslaughter and receive six years in prison.


August 2001 – Jose Estrada, 35, and his 6-year-old daughter Michelle are killed on Flower Street in Santa Ana when they were hit head-on by a street racer. Arturo Ortiz Jr., a 21-year-old Santa Ana man, was convicted of two counts of second-degree murder in 2002.


September 2001 – Steven Katzenberger, 16, is killed when he loses control of his car and strikes a tree in Laguna Niguel while street racing with another teen.


November 2001 – Raymond Scott Shelly, 40, of San Clemente and Jose Valverde of Dana Point are killed when Shelly's Dodge Caravan is hit by a yellow Mustang racing a black Mustang on a busy street in Dana Point. Erin Lynn Gormley, 19, is sentenced to six years in prison for the crime.

 

Minihune, these two were partying in Hawaii.

 

And lets not forget the 18 year girl ... drunk ... who smacked the tollboth with her brains posted all over the internet.

Supposedly ... mad at her parents or something like that.

 

I was really anxious to see what the "third" was.
So it's equal for the elderly?

 

isn't the white paint to keep a certain bugs from getting in the trees? I remember they had the palm trees painted that way when I lived at the beachhh

back o

 

isn't the white paint to keep a certain bugs from getting in the trees? I remember they had the palm trees painted that way when I lived at the beachhh

back on topic... thats a horible accident! did any one else notice theres no tread on the back tire?:impatient :impatient

 

If you mean are the elderly statistics gender-neutral... yes. Males and females over the age of 74 are equally likely to be involved in an accident.

The same can be said about any age-based group once you get past the 20-somethings.

 

That's fine. I've really got no problem with the risk management and the "higher risk=higher rates". I just hope that the "most likely" data that they use is constantly fresh data and not stuff that's 10-15 years old because stuff does change constantly. That's why I was asking how old their data is. I guess a better way to ask it is how often do they look at who is the higher risk?

 

I think the point that is being missed is this:

Insurance companies deal with statistics b/c this is all they have to go on. They don't know individual 18 year olds and whether they are "mature for their age" or "immature for their age". A blanket statement like "this is why you don't give an 18 yo a MCS" is a little misguided I would think, b/c parents DO have this individual information at their disposal, as well as the statistics. They should consider both in determining whether or not their kid is responsible enough to handle the particular car. They shoud NOT cite the statistics as a reason that an 18 yo shouldn't have the car.

The statistics should make them think about it for sure, but the final call should be based on the individual, not on the statistics, deciding whats best for your kid based on statistics only is IMO, classic lazy parenting.

Its entirely appropriate for insurance companies to use them though, as what else do they have to go on? They MUST do this to allow them to maintain profitability. The other option is they can simply charge EVERYONE the worst possible rates, as this would be the only way they could protect themselves. Look at it this way, rates aren't discriminatory against younger people, they are PREFERRENTIAL to safer demographics. Either more dangerous demographics can have higher rates, or EVERYONE can have higher rates, I'll take the former. Economists refer to this concept as "adverse selection".

 

A good and fair question. I would guess its using 2004 data as the last complete year. But maybe an insurance wizard can answer that.

That is impossible to do. First, it would be way to expense to do individual analysis like that and everyone's rates would go up. Second, 18 years olds have no history. There is no historical data to base they are "mature".

Check this out ... who gets into the most accidents, most speeding tickets, and most moving violations ... You can guess ... students ...
http://articles.moneycentral.msn.com...mOrLawyer.aspx

http://articles.moneycentral.msn.com...sToInsure.aspx

This is for Bama and others who think the MINI can be nimble and get out of an accident

Size matters

Some think that a smaller, more maneuverable car is able to outrun trouble and avoid crashes. It's a myth, Rader says. "When you look at the statistics and insurance claims, small sports cars tend to be in more crashes," he says. Adding to the problem: "They tend to be engaged in faster driving."

From a statistical standpoint, the safest models tend to be the full-sized family sedan-type cars, he says.

And this one is fun ... insurance industry uses your credit rating ...

Insurers use credit scores as one of the factors in determining what's known as an insurance score.

"We're not looking to see whether you're worthy for credit; we're trying to find the elements in the credit profile that correlate with loss behavior for insurance," says Hartwig.

Numerous studies have found that people with lower credit ratings file more claims

 

this thread is confusing me since it's so close to the punk kids thread...

 

Insurance companies constantly look at the risk, the numbers are updated pretty much in real-time (I worked on a system that did just this in the early 90's).

From memory, the underwriting systems look at the driver age, history, sex and geographical location, then the historical data for the type of car that they wish to insure, cross referencing that to the number of claims that the demographic has made and the size of the claims too. This gives them the statistical likelyhood that the driver will make a claim, and the probable size of the claim when they do.

So, for instance if the likelyhood is 1 in 100 that they will make a claim in the nex year, and the claims total will likely be $100,000, they start by ensuring that they will get at least that back, so that is $1000 that they need to collect.

Remember that the claims include many things beyond the cost of repairing your car (and anyone else you hit), they can include the Police/Fire services, ambulance and medical costs, compensation etc.

generally, the faster the car, the bigger the accident....

We have a 20yo son who live in AZ (school), if we added him to the household car policies (BMW/MR2/Mini) then we would be paying a little short of $4000 / year in insurance, compared to the current $81 / month.

Needless to say, he has his own insurance policy.....

 

I was saying PARENTS should evaluate this before giving their kids a MCS, not insurance companies. You are right, no way the insurance companies could evaluate that. I was just saying that those who made the blanket statement "18 yo's shouldn't be driving a MCS" were misguided, as the insurance company model doesn't apply to the individual choice made to put a kid behind the MCS or not. Parents DO have that historical data though (if they've been paying any attention to their kid), and as such, should use it.

For example, MaxN's stepkid shouldn't be behind the wheel of an MCS, given his well documented (even on NAM!) history of immaturity.