Right, if big vehicles are more dangerous, where is that uninternalized cost being squeezed out if not the vehicle owner’s premium.
The people who cause the most insurance losses are often people who really don't have their lives together. They're driving cheap pieces of junk and wrecking them frequently.
Maybe, but I am rather skeptical of this claim being true under most circumstances.
And even if it is true that the payout from insurance is bigger in the case of injury than death, there's potentially lost revenue if the insured goes to jail.
It is surprisingly hard to end up in jail after killing someone with your car in the US. As long as you weren't drunk, weren't doing something crazy like going 40mph over the speed limit, and didn't flee the scene, the most you are generally looking at is a misdemeanor if you are charged with anything at all.
California, for instance only requires ~30k injury coverage and ~5k property damage, not even enough to replace a cheap used car when totaled these days.