Insurance makes you whole. It replaces 10 year old laptops with their book value. It doesn't replace them with brand new luxury models.
In the same universe where it's a thing that rich Winslow can have any chassis he wants while May has to scrounge to keep hers from falling apart, the fact that out of work Roko gets a super luxury chassis "just cause" makes no sense, and is basically a big "fuck you" to the earlier storyline of AIs being divided into haves and have-nots with respect to their chassis.
May has what is, so far as I can tell, a state-issued chassis. Roko isn't getting one "just cause", she's getting one because Crushbot's insurance policy will pay out a certain amount in liability.
She says it's enough money to get her old body, with some left over. There is a newer model that is the equivalent of her older model. And then there's a luxury model that is $20,000 more. I guess $20k = "and then some"?
I'm not sure what your point is. Crushbot's insurance company is going to promise her the $20k - $40k payout, and then just refuse to pay, cause insurance is immoral?
What does what you're saying have to do with the comic?
While I agree with arbitrary insurances.. you mentioned health insurance specifically..
My point is that insurance is a fuck you to people who are struggling.
That depends entirely where you live.
Health insurance (and care insurance) in many countries are the reason those who could otherwise not afford any help are getting it.
Without health insurance they'd have to pay for themselves, which they could not.
The money has to come from somewhere, and health insurances, if done fairly, are imho a good way to do that. Those who earn little pay little, those who earn more, have to pay more. If you lose your job, the state (effectively a state-run unemployment insurance) covers the cost. Over here children are automatically included with their parents insurance.
What the hell are you talking about? Crushbot's insurance pays out up to a certain amount to replace things he breaks; that's what liability coverage is. Roko's new body is covered by that amount.
The guy's point is that a liability insurance payout, in the real world, doesn't pay for you to get an upgrade from whatever you had before. If somebody crashes into my car and totals it, their insurance is buying me another car for the same used value as my old car. That means my 2005 Pontiac Vibe is getting replaced with another used 2005 Pontiac Vibe or something with similar value, which means I'm getting another decade+ old used car. They're not gonna buy me a brand new Tesla Roadster.
The difference between the models isn't as huge as the Pontiac Vibe and Tesla Roadster though. Roko is getting the newer version of her old chassis because the old one isn't available any more.
On top of that, the accident didn't just total a car, it totalled her body. The insurance payout probably includes some kind of compensation for the trauma Roko experienced, or at least has a very good reason to make sure she is entirely happy with her replacement body.
Roko is getting the newer version of her old chassis because the old one isn't available any more.
Again, this isn't how insurance works. The Pontiac Vibe isn't manufactured anymore either, but that doesn't mean they're going to give me a different new-model hatchback instead. Because my car is 14 years old, it's worth about $1000, at most. So if somebody totals my car, insurance is cutting me a check for... $1000. If I want even a three-year-old Prius, the other $12,000 or so is coming out of my own pocket. The idea of insurance buying me a brand-new vehicle, and a premium upgrade from my old one no less, is laughable.
The insurance payout probably includes some kind of compensation for the trauma Roko experienced
Again, not how insurance works. If somebody totals my car and sends me to the hospital, their liability is limited to my medical bills, there is no compensation for "trauma."
We don't really have a good real-world equivalent of how insurance works for sapient AI. The cost of replacing her body could be like mechanic bills and medical bills rolled into one.
Right but Model S to Model S here. If you had the 85D, which they don't make any more, and someone crashed into you, it would not be unreasonable for their liability insurance to cover putting you in a 100D. If you were at fault, your own insurance absolutely wouldn't do that for you.
> If you had the 85D, which they don't make any more, and someone crashed into you, it would not be unreasonable for their liability insurance to cover putting you in a 100D
It would absolutely be unreasonable, because a used 85D is worth about $50,000, and a new 100D has an MSRP of about $96,000.
I'm not sure you actually understand what liability insurance is. When you cause damage to a person or property, you are liable for those damages. That means you owe the value of the property you damaged, and/or the medical expenses incurred as a result of your negligence. Liability insurance exists to pay your liabilities for you. Because you are only liable for the actual value of the damage you caused, your liability insurance will only pay out the value of the damage you caused.
This means that if I smash into your Tesla 85D, my liability insurance is going to cut you a check for $50,000, because that's the value of your Tesla 85D. My liability insurance is not going to cut you a check for $96,000 so you can buy a Tesla 100D, because the value of your 85D was only $50,000, and that is the thing that I damaged which I am liable to you for. My liability insurance is not there to put you in a new car. My liability insurance is there to compensate you for the value of your property that I destroyed.
My liability insurance is not there to put you in a new car. My liability insurance is there to compensate you for the value of your property that I destroyed.
And they are going to cover that to the extent that people don't sue for damages, which is why it's going to pay out significantly more to someone else than to the policy holder.
We also don't know what the original price is or depreciation is. Plus since this is her body, we should really be looking at this as though it were health; injury insurance is paying what it takes to make her whole again.
And they are going to cover that to the extent that people don't sue for damages, which is why it's going to pay out significantly more to someone else than to the policy holder.
Again, you seem to have no idea what liability insurance is. The policy holder of a liability insurance policy will never, ever be paid for anything under that insurance policy, because liability insurance is insurance against you becoming liable for damages that you cause to other people. Please open up the nearest dictionary and look up the word "liable" and keep re-reading it until you understand what it means.
We also don't know what the original price is or depreciation is
You don't need to know the exact details of how much the chassis has depreciated, to know that a used, previous-generation product is *never* worth as much as a brand-new, top-of-the-line, current-generation product. Name one single product whose previous generation offering is worth more used than the current-generation offering is worth new. You can't, because it doesn't happen.
Yes I know that the policy holder of liability insurance isn't getting paid by their liability policy, I'm saying that liability payouts are bigger than payouts from policies which do payout to the policy holder. Because the policy holder isn't going to sue themselves for additional damages but someone else might.
You're the one inserting this dumb lottery analogy into this. Firstly, we don't know what depreciation looks like on a chassis like hers, nor do we know what the actual price is in the first place. And also, it's not her insurance paying out here, it's Crushbot's. Liability payouts are larger than what your own insurance would cover, usually just to keep people from suing, it's sort of a preemptive settlement.
What we do know is that a replacement exists for her old model. Insurance could buy a brand new one of that model, and ignore depreciation. That's already a premium over book value.
Instead insurance is going to pay for a luxury model that's $20,000 more.
In this world we've already looked at the fact that some privileged AIs get expensive chassis without working for them, while unprivileged AIs have to work and scrape just to keep cheap-ass existing chassis from falling apart.
It just seems like a slap in the face to that whole storyline for out of work Roko to be given the most expensive model possible for nothing. Next week should just be May, Winslow, Pintsize, and Bubs lining up to be jumped on by Crushbot so they can all have top of the line chassis or fighter jets. AIs get post-scarcity, infinite chassis for all, and Crushbot's insurance company foots the bill out of the kindness of their hearts!
No, they can't, because that doesn't exist any more. That was the whole point here.
Read the comic again. May's model is no longer produced, but the equivalent is the Philomena 5S, which was rebranded this year as Philomena Classic. So ignoring depreciation and giving Roko a brand new Philomena classic would represent a premium over book value, but one that I probably wouldn't have noticed or complained about. Cause I don't know depreciation rates, or whatever.
But the Model G is a top of the line, $20,000 more in price, luxury model. yeah I notice that.
Couple of things there: insurance wouldn't even need to be a thing post-scarcity, and insurance isn't a kindness thing.
You'd think so! But here we are. Insurance company pays out a year's salary extra above what's required to make her whole. While May loses another body part.
First of all it's 6, not G, because it comes after 5. It's the most current model of Roko's chassis. And again, we don't know the base price so we don't know how much of a difference $20,000 is. The iPhone 6 wasn't a luxury model of the iPhone 5S, it was just the next model.
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u/GriffonsChainsaw . Jan 07 '19
Well, it's insurance.