New Indiana law takes your car insurance mobile

I’m a Netflix-only sort of guy, so I almost never see TV commercials anymore. But I did manage to see two car insurance commercials from Liberty Mutual this summer that ticked me off. Then I went online and . Take a look and see if you can tell why there’s sand in my craw.

#1 – This white bearded man spent $40,000 on a new car and got hit by a minivan

#2 – This white bearded man’s new car got hit by a pickup truck

#3 – This black man’s daughter is turning 16 and he really doesn’t want her to drive

#4 – This white woman can’t parallel park and is going to rip some guy’s bumper off

#5 – This Asian woman totaled her car

#6 – This black woman tapped the bumper of a station wagon

Notice anything?

We have two white men with beards who bought new cars and then got hit by someone else. The subtext here is that white men have money and can buy new things, and other people are bad drivers. But don’t worry because Liberty Mutual will swoop in and save the poor victimized white men! (Also, why did Liberty Mutual feel it was necessary to make two versions of the exact same scenario?)

And then there’s the black dad. He’s laying it on a little thick about not wanting his daughter to drive. Well, I guess that’s not so bad except then we have…

Three women: white, black, and Asian. (Nice diversity there.) But all three of these women are responsible for hitting other people. The sad white woman is incapable of parallel parking, and her only alternative to hitting cars is riding the bus. The Asian woman “totaled” her car, which she named Brad. And the black woman is annoyed that her rates are going up after she hit someone’s car.

So, what’s the story, Liberty Mutual? Men need insurance to replace their toys when some idiot breaks them? Women need insurance to cover their own screw ups? Because that’s how it looks to me.

But hey, maybe men really are statistically awesome drivers and women really are stereotypical goofballs behind the wheel. Right? No. Of course not.

Women are safer drivers than men. Here’s two minutes’ worth of research:

• A study in New York found that .
• A four-year study in Europe found that .
• Here’s another study that found .
• A study in the UK found that .
• The US National Highway Traffic Safety Administration found that .
• The Insurance Institute for Highway Safety found that .

Of course, car insurance companies know better than anyone that women are safer drivers than men. It’s the primary reason why women have lower car insurance rates. Esurance even says so . (Thanks, Esurance!)

So, based on actual data, the most realistic car accident scenario is a woman being hit by a drunk man.

The women in the clips should be glad to have an insurance company that will go after all the drunken idiot men on the roads.

The men in the clips should be sadly grateful for an insurance company that will cover their reckless driving.

And yet, we have these commercials.

Stay classy, Liberty Mutual.