I don’t think insurers really care either. They just pass the cost on to the insured and because all insurers have the same risk in aggregate, they all raise pr

I don’t think insurers really care either. They just pass the cost on to the insured and because all insurers have the same risk in aggregate, they all raise premiums. We get screwed because we pay more but the insurance companies are doing just fine either way and the police is also happily doing nothing because that’s hard work.