I agree to an extent. I also drive "like an idiot" and haven't been in an accident aside from being t-boned in traffic when a very old person didn't stop for a

I agree to an extent. I also drive "like an idiot" and haven't been in an accident aside from being t-boned in traffic when a very old person didn't stop for a red light. I'm also very engaged while driving and pay lots of attention to everything going on around me. I don't listen to music or eat or have children or do phone calls while driving. I also consider driving a hobby / sport and value continual life-long improvement in it. I practice in realistic driving games and I've been doing so since I was very young. I'm very interested in participating in track days and auto cross events. I do most of my own car maintenance, drive a manual, and I know how my vehicle works in quite deep detail. I also know how it handles at and beyond the limit, when it will break loose in the front and rear, how quickly it can stop and accelerate, how hard it can swerve. This app and the related one about insurance liability (posted here maybe a week or two ago) would unfairly rate me, because I go against the risk model and win consistently. I also agree that there are MANY "safe" drivers whose indecision and timid driving leads to bad situations; merging at 45mph, slowing way down for ramps, stoping at yield signs, driving under the speed of traffic, braking unnecessarily in traffic, etc. However, since in my situation, the insurance company gets to charge me a lot more, they're incentivized against modeling drivers like me as less risky than someone who is involved in more accidents than me but drives well within the limits and doesn't understand what happens when they approach or exceed them.