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There’s no statistics for how much a sensible and experienced driver crashes.

Sorting people by past behavior runs into survivorship bias when looking back and people who stop being sensible going forward. I’m personally a poor driver, but I don’t drive much so my statistics still look good.

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There’s _no_ statistics? Surely those statistics are precisely what all car insurance premiums are based upon. They might be proprietary but I am certain such statistics exist.

The best bucket insurance companies can use is based on age, car choices, and past behavior etc. Yet, a percentage of such people still end up in deadly accidents because they drove drunk, or while looking at their phones and such.

Insurance companies can’t know your future behavior so must hedge for a percentage of future idiots being in any bucket. On the flip side some people in the multiple DUI bucket end up driving sensibly over the next 6 months.

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