> I'm going to assume that nobody's insurance premiums or deductibles are going down That's exactly backwards. If you have better information than a competito

> I'm going to assume that nobody's insurance premiums or deductibles are going down That's exactly backwards. If you have better information than a competitor, you have an effective strategy to steal their lower-risk customers and still make a ton of money. This absolutely will happen. And the rates for the higher-risk customers they are left with will absolutely go up.