Automobile deaths has been declining for years. https://en.wikipedia.org/wiki/Motor_vehicle_fatality_rate_in_U.S._by_year https://en.wikipedia.org/wiki/Motor_v

Automobile deaths has been declining for years. https://en.wikipedia.org/wiki/Motor_vehicle_fatality_rate_in_U.S._by_year https://en.wikipedia.org/wiki/Motor_vehicle_fatality_rate_in... Cars are safer than ever. https://one.nhtsa.gov/nhtsa/timeline/index.html https://one.nhtsa.gov/nhtsa/timeline/index.html The folks with those fancy cars are paying into the system too, insurance is about pooling after all. It seems you have a point about bodily injury claims. https://www.insurance-research.org/sites/default/files/downloads/IRC_ClosedClaimReleaseFINAL.pdf https://www.insurance-research.org/sites/default/files/downl... However, it looks like that is mostly due to more lawyers being involved in bodily injury claims. More lawyers involved points to a failure with insurance company's ability to properly adjudicate claims. When insurance is only about profits and finding tools to further squeeze your existing clients no one benefits. Insurance companies do not need more ways to rate me, they just need to do the job they get paid to do.