RE: Vote, Tired rates or not?
The most recent numbers are in the AMA’s 2003 financial statement on the AMA site in the Member’s Only Section. Without again going through how they are derived, it comes out to about $22 per open member. Of that, we know that about half goes towards trip and fall claims generated by clubs (as opposed to flying type claims). That leaves $11 dollars to be tired. If you charge the lowest risk class $1 and the highest risk class $21 the amounts involved are so small that it makes no sense, at least in my opinion.
Since, as you acknowledge, there is no data to support any risk assessment, where do you go from there? Just do this on the perceived risk by someone? The whole idea is worthless at the dollar levels involved.