I'd expand that to four classes of accidents. Four, something they /will/ need to pay for (both in money, as they're committing to, and in PR). Inevitably some

I'd expand that to four classes of accidents. Four, something they /will/ need to pay for (both in money, as they're committing to, and in PR). Inevitably some accidents won't fall into your three "preferred" categories -- making a system like this successful is about managing the size of bucket four, not eliminating it entirely.