Human error causes >90% of car crashes (https://cyberlaw.stanford.edu/blog/2013/12/human-error-cause-vehicle-crashes https://cyberlaw.stanford.edu/blog/2013/12/

Human error causes >90% of car crashes (https://cyberlaw.stanford.edu/blog/2013/12/human-error-cause-vehicle-crashes https://cyberlaw.stanford.edu/blog/2013/12/human-error-cause...), so brake maintenance is a very inefficient way to reduce insurance risk. Instead, insurers penalise people based on their history of crashes (or — more importantly to the insurers — claims). The market is actually working well in that case.