Then only insurance for actual accidents would make sense, but even then insurance companies could start analyzing more meticulously the individual probabilitie

Then only insurance for actual accidents would make sense, but even then insurance companies could start analyzing more meticulously the individual probabilities of having accidents: do you have an active lifestyle? you pay a premium; do you practice sports? you pay a premium; travel more than the average human? pay a premium; are you getting older? insurance rate grows exponentially; already had an accident? sorry, you no longer a desirable customer.