How Carriers and Insurers Are Subsidizing Failure

This isn’t a claim that these insurers caused those crashes. But insurance is supposed to be a filter. When more than half of an insurer’s book is scoring HIGH or CRITICAL across five safety indicators, the question is: What does the underwriting look like on the way in?Less than 1% of the insurer-carrier relationships. Roughly 6% of the crashes and fatalities. That’s not noise. That’s a signal.But that same 0.65% accounts for roughly 1,086,571 crashes (6.01%), 34,968 fatal crashes (5.98%), and 645,108 inju ...