I worked on a warranty insurance system rewrite. There was basically a risk matrix that when simplified meant insurance was cheapest for Asian cars, then Europ

I worked on a warranty insurance system rewrite. There was basically a risk matrix that when simplified meant insurance was cheapest for Asian cars, then European, then US due to reliability and quality differences. The model was based on past insurance payment data. It was over a decade ago, maybe things have changed but I always remember questioning if it was that simple, turned out it was.