> For example, in San Francisco, there are about 4700 car related injuries and deaths per year; about 800000 people; and the life expectancy is high at 83. This

> For example, in San Francisco, there are about 4700 car related injuries and deaths per year; about 800000 people; and the life expectancy is high at 83. This gives you 41 years for a cumulative 25% chance to have been involved in your first car injury. It doesn't account for the fact that people can be injured more than once. Taking that into account, the number would be closer to 50 years. It also makes agency more relevant if most of the injuries are concentrated in a smaller group of people (ex: bikers). > The discount for panopticon approved safe driving is a pathetic 5-10%! Well, in France, the maximum discount for safe driving is officially -50%, and the maximum penalty for unsafe driving is +250%, calculated based on your history of at-fault accidents. That's a 7x difference! Not only that but if you get into too many accidents, the insurance company may cancel your contract, usually forcing you to go for insurance companies that specialize in high risk customers, which are even more expensive. I don't know about the insurance system where you live, but a 5-10% difference seems crazy.