what counts are accident statistics going down Kind of. What counts to the insurance companies is having to pay out as little as possible, while still taking a

what counts are accident statistics going down Kind of. What counts to the insurance companies is having to pay out as little as possible, while still taking as much of people's money as they'll give. So they do want fewer accidents, but they also want more paying customers that won't file claims (uninsured/undocumented driver's fault) or have claims filed on them (when it's their own fault). Using incentives to manipulate (manage) customers' behavior achieves this, with the PR goal of "lowering accident statistics."