Originally Posted by
jcountry
The way it should work is this:
Everyone should start with a flat rate. If a person remains safe, that rate should remain the same. If they get a bunch of tickets or get into a bunch of wrecks, jack up that individual’s rates! Make them so high that they have to take an Uber. Get their stupid ass off the road.
Should definitely work that way if it could, but I imagine many of them wouldn't use the uber if their insurance rates got too high. It would just raise the number of uninsured motorists (causing the good drivers' premiums to increase). There comes a point of diminishing return on the premiums to charge people, but there's also probably some benefit in getting the irresponsible people caught driving uninsured so they can have their driving privileges suspended, revoked... amping up their penalties until they get jailed, their car impounded, etc to truly get them off the road.