On one hand, yes, I agree. But on the other - insurance companies will want to decrease their risks as much as possible. Which means that they will penalize everyone for accelerating faster than at a snails pace, for going into corners so you start leaning to the side a little bit, and of course for driving late at night. At which point, there will be absolutely no point in buying anything other than a 1.0L self-propelled shopping carts.
I know HN is extremely anti-car sometimes, but there are people(like myself) who enjoy driving. And by "enjoy" I don't mean going 100mph on country roads and overtaking like a maniac. I just like the physical act of driving, and I feel like having every one of my reactions judged by an insurance company to penalize me would kill any enjoyment I might have had left.
I know HN is extremely anti-car sometimes, but there are people(like myself) who enjoy driving. And by "enjoy" I don't mean going 100mph on country roads and overtaking like a maniac. I just like the physical act of driving, and I feel like having every one of my reactions judged by an insurance company to penalize me would kill any enjoyment I might have had left.