Insurers are motivated by profit and actual claim costs not on what should be. https://www.iihs.org/ratings/insurance-losses-by-make-and-model https://www.iihs

Insurers are motivated by profit and actual claim costs not on what should be. https://www.iihs.org/ratings/insurance-losses-by-make-and-model https://www.iihs.org/ratings/insurance-losses-by-make-and-mo... Click lowest and highest losses. Pick bodily injury liability and property damage liability. You’ll see that BI is dominated by fast or cheap cars not necessarily the biggest. Big trucks are well represented on the PD side.