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Gambler's Fallacy. Prior incidence has no effect on future occurrence.

We’re not gambling, we’re driving cars. And the fact that the current F1 champion has won some races means that he is more likely to win the next one than I am. And the fact that I have a lower-than-average rate of driving collisions means that I have a lower-than-average chance of having a collision in the future. If you doubt me, ask an insurance actuary.



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