You are describing a prisoner's dilemma where one person's decision to buy a bigger, more dangerous vehicle pushes you to do the same. This can all be priced i

You are describing a prisoner's dilemma where one person's decision to buy a bigger, more dangerous vehicle pushes you to do the same. This can all be priced in. If bigger vehicles are more dangerous, we could make auto insurance premiums a function of weight (and other criteria).