Insurance companies notice a correlation, so increase rates to compensate. (Since insurance companies are in the business of spotting and correcting for correla

Insurance companies notice a correlation, so increase rates to compensate. (Since insurance companies are in the business of spotting and correcting for correlations more than causes.) Therefore a correlation between states which legalize marijuana and increases in accidents cause an increase in car insurance costs. Marijuana doesn't need to cause accidents for this to be the case. What that analysis doesn't take into account is whether the next state to legalize marijuana will also have to deal with increased accident rates and insurance costs. This is IMO the more important question.