That's an interesting question! The actual risk assessments thr insurer does are obviously confidential, but you're asking whether we can reverse engineer their

That's an interesting question! The actual risk assessments thr insurer does are obviously confidential, but you're asking whether we can reverse engineer their premiums into underlying probability estimations? So we'd still be estimating probabilities, but based on information leaked from insurers instead of first principles. Could work! I don't know how, though.