> This does not make sense. You're clearly not an actuary or -- more importantly -- an insurance exec. Just because there isn't a perfect causal link doesn't m

> This does not make sense. You're clearly not an actuary or -- more importantly -- an insurance exec. Just because there isn't a perfect causal link doesn't mean that the correlation isn't useful for minimizing risk. I'd wager that at least a double digit percentage of young males are as careful as young females in their driving behavior. From the insurance perspective, who cares? The risk pool still pays a premium.