{"id":3973,"date":"2021-09-13T15:59:23","date_gmt":"2021-09-13T13:59:23","guid":{"rendered":"https:\/\/eticasfoundation.org\/https-eticasfoundation-org-algorithms-es-case-los-algoritmos-de-seguros-de-automovil-discriminan-a-las-minorias\/"},"modified":"2021-09-14T15:03:03","modified_gmt":"2021-09-14T13:03:03","slug":"los-algoritmos-de-seguros-de-automovil-discriminan-a-las-minorias","status":"publish","type":"post","link":"https:\/\/dev.eticasfoundation.org\/es\/los-algoritmos-de-seguros-de-automovil-discriminan-a-las-minorias\/","title":{"rendered":"Los algoritmos de seguros de autom\u00f3vil discriminan a las minor\u00edas"},"content":{"rendered":"<p>Una investigaci\u00f3n realizada en 2017 por ProPublica y Consumer Reports, en la que se compararon las primas de seguro de autom\u00f3vil en cuatro Estados americanos diferentes (California, Illinois, Texas y Missouri), descubri\u00f3 que las personas de los barrios de minor\u00edas pagan primas m\u00e1s altas que las que viven en barrios predominantemente blancos, a pesar de tener perfiles de riesgo similares.<\/p>\n<p>Seg\u00fan el informe, a pesar de que las estrategias de fijaci\u00f3n de precios discriminatorios est\u00e1n legalmente prohibidas en los Estados Unidos, las compa\u00f1\u00edas de seguros han logrado introducir sistemas de fijaci\u00f3n de precios que est\u00e1n en gran medida aislados del escrutinio p\u00fablico debido a su nivel de complejidad. Dicha complejidad dificulta que el gobierno a nivel estatal y federal regule y eval\u00fae su equidad. El car\u00e1cter discriminatorio de las pr\u00e1cticas de fijaci\u00f3n de primas est\u00e1 protegido en gran medida debido a que los algoritmos no consideran expl\u00edcitamente la raza. M\u00e1s bien, se basan en variables pr\u00f3ximas (como el c\u00f3digo postal) que crean los mismos resultados pero no implican las mismas leyes antidiscriminatorias que los tipos de datos protegidos.<\/p>","protected":false},"excerpt":{"rendered":"<p>Una investigaci\u00f3n realizada en 2017 por ProPublica y Consumer Reports, en la que se compararon las primas de seguro de autom\u00f3vil en cuatro Estados americanos diferentes (California, Illinois, Texas y Missouri), descubri\u00f3 que las personas de los barrios de minor\u00edas pagan primas m\u00e1s altas que las que viven en barrios predominantemente blancos, a pesar de [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[19],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Los algoritmos de seguros de autom\u00f3vil discriminan a las minor\u00edas - 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