> privately insured driver population that resides in these geographic regions If I were to hide something fishy, I’d define the shared coverage to include zip

> privately insured driver population that resides in these geographic regions If I were to hide something fishy, I’d define the shared coverage to include zip codes with fewer human accidents: * zip codes are relatively small, so you have a lot of variance per code due to randomness of rare events; * Waymo mostly covers urban areas and nearby suburban areas, so you can claim suburban zones were only recently covered by Waymo or that the insurance had too few members in certain zip codes to include them. I don’t think that study is wrong, but it is in Waymo’s interest to claim they have few accidents and in insurers’ interest to claim there have many, or rather more, accidents to raise their premiums.