On: The reason your Columbia shirt has a tiny pocket n...

[LorenPechtel]

Remember that there are also insurance regulators that must be satisfied. It might not be worth fighting them on something like this.

[lotsofpulp → LorenPechtel]

That makes it even more suspect. Regulators are incentivized to ensure prices are proportional to the risk. They would have nothing to gain by asking insurers to have all other drivers subsidize sports car drivers just because it has more than 2 seats (if that is even a true scenario).