I don't think you have to be very cynical to assume that's what's going on. It might not be happening now, but once the adoption rate is sufficient there's goin

I don't think you have to be very cynical to assume that's what's going on. It might not be happening now, but once the adoption rate is sufficient there's going to be a small update to the license, and the insurer will know enough to set your rates exactly right.