I suspect that accident data doesn't compensate for driver demographics. This is imprecise because of a lack of data, so scores that are 'close' are likely with

I suspect that accident data doesn't compensate for driver demographics. This is imprecise because of a lack of data, so scores that are 'close' are likely within the margin of error. To use your example, a score of 101 would be close enough to 99 to be indistinguishable. However, a score of 140 would be distinct enough from 99 be noticeably worse or better.