> Premiums should be based on accident rate of the individual driver, Fortunately, accidents are rare enough that most drivers do not have a statistically-vali

> Premiums should be based on accident rate of the individual driver, Fortunately, accidents are rare enough that most drivers do not have a statistically-valid accident history. Unfortunately, that means that the accident rate, for the purposes of insurance, must be based on a model. If the model is behaviour-based, then the insurance provider must extrapolate from measurements that correlate with accident rate, even if they do not necessarily imply moral culpability.