> it smells of 'pre-crime' to charge them more for something they didn't do Ignoring the fact that reckless driving is an actual crime and thing they did, not

> it smells of 'pre-crime' to charge them more for something they didn't do Ignoring the fact that reckless driving is an actual crime and thing they did, not "something they didn't do", it is also probabilistically the thing that leads to collision damages. Insurance companies are probability companies first and foremost. It absolutely makes sense for them to charge more to cover behavior that is more likely to lead to payout.