> Does anyone's insurance go down? This was the question. A huge chunk of a lot of people's insurance isn't the insurance to fix your car, it is to fix the oth

> Does anyone's insurance go down? This was the question. A huge chunk of a lot of people's insurance isn't the insurance to fix your car, it is to fix the other guy's car. If the average cost to fix the other guy's car keeps going up, your insurance will end up going up given a fixed risk level.