> You are an insurance company your job is to pay when people cause accidents No, their job is to collect as much money as they can from the best drivers possi

> You are an insurance company your job is to pay when people cause accidents No, their job is to collect as much money as they can from the best drivers possible while avoiding having to pay anything at all. That's how health insurance works, that's how auto insurance works, that's the nature of insurance. "Avoid paying out unless legally required to, and then pay out as little as you can legally get away with." and the best way to do that is to have a customer base comprised of people who you're unlikely to have to pay out for (good drivers, healthy people)