If a consumer is unwilling to trust safety ratings because the consumer doesn't care about pedestrian safety, the problem is not that the safety ratings don't m

If a consumer is unwilling to trust safety ratings because the consumer doesn't care about pedestrian safety, the problem is not that the safety ratings don't match the consumer's priorities, the problem is that the consumer's priorities are wrong. The consumer should care about pedestrian safety, and making pedestrian safety part of the safety ratings and using those ratings to determine insurance premiums is a reasonable way to give the consumer a financial incentive to care about pedestrian safety.