I think for the reasons cited by the parent comment: the cost of repairs are higher than for other vehicles, so the incentive to file a claim is greater for a b

I think for the reasons cited by the parent comment: the cost of repairs are higher than for other vehicles, so the incentive to file a claim is greater for a broader set of collision events. Let's say they are involved in exactly the same number of collisions and the same severity distribution. If the costs for repair are higher across the board, claims are more likely for repairs that would have otherwise been paid out of pocket by owners of other vehicles. If my 10-year old car is involved in a minor collision and the estimated cost of repair is $250, I am just going to pay for it and not bother with an insurance claim. If instead I owned a car that was more costly to repair, and the repair estimate for my collision were $2,500, I might decide to file a claim.