Whether your insurance company should know these stats… IDK.
If this is the direction we’re going in, definitely. It should also be available to your medical and life insurance companies because unsafe driving raises your blood pressure and therefore raises risk of a cardiac event in the long term (meaning you should have higher medical insurance premiums) + you have a higher risk of dying in a traffic accident, so they should be able to decline payouts for anything traffic related automatically.
Maybe also let financial institutions have access to stats here. People with unsafe driving records would get worse rates for everything because they’re more likely to die and stop paying their debts, but in particular they’d get higher interest on their car payments because of the extra risk involved
If this is the direction we’re going in, definitely. It should also be available to your medical and life insurance companies because unsafe driving raises your blood pressure and therefore raises risk of a cardiac event in the long term (meaning you should have higher medical insurance premiums) + you have a higher risk of dying in a traffic accident, so they should be able to decline payouts for anything traffic related automatically.
Maybe also let financial institutions have access to stats here. People with unsafe driving records would get worse rates for everything because they’re more likely to die and stop paying their debts, but in particular they’d get higher interest on their car payments because of the extra risk involved