Quote:
Originally Posted by rovexCDTi
I believe thats because once you have claimed once you are more confident in doing so again, rather than the fact that you are at higher risk of having an accident. Even IF thats the case, and im not sure I believe them, it shouldnt be allowed as a statistic used for insurance.
Ive always believed that everyone should pay a flat fee that only increases IF you claim and only if you are at fault.
|
I can't say I saw that the stats myself (not being able to understand them myself not being an actuary) but I believe them. Ins companies aim for the most accurate stats available, it's in their interests. If they are out widely with their estimates and they just jack the prices up for no good reasons they'll have reduced business, that's no good to them.