It turns out that actuaries are pretty decent at the math side of these things. It's just that being a motorcycle rider, regardless of how safe you personally a

It turns out that actuaries are pretty decent at the math side of these things. It's just that being a motorcycle rider, regardless of how safe you personally are, is dramatically more of a risk to insurers than covering a cage driver. They know that because they have access to all the data behind the claims and payouts that normies like us don't have access to. Literally everyone believes that they are the exception to things like these. That's the difference between an anecdote and data however. Insurance companies rely on data and not your word that you're the exception to the picture that all their data paints.