Do you have a disposition making you more likely to end up in an auto accident? Can some other correlation be done which is not genetic per se but works out to

Do you have a disposition making you more likely to end up in an auto accident? Can some other correlation be done which is not genetic per se but works out to some higher risk social stratum in aggregate? You never know. The power imbalance is great, they won't tell you why you got your score and with enough machine learning they probably can't even if they wanted.