> 5-10% difference seems crazy. Well. That’s what it is. It’s crazy only because of how deeply you believe in agency. If you instead think deeply about the nu

> 5-10% difference seems crazy. Well. That’s what it is. It’s crazy only because of how deeply you believe in agency. If you instead think deeply about the numbers, and then the fact that you are comparing two completely different driving environments, one thing becomes clear: the way the driving environment is designed and driving culture is administered in France might be much better and safer! Then, agency plays a relatively larger role, by definition, even if it is absolutely small everywhere. Whereas in America, such as in San Francisco and many other communities, a lot of injuries are probably attributable to the environment and culture. This is at least the expert consensus is, not just the consensus of insurance companies.