@logicallee, I love your point about information asymmetry and trust.<p>State insurance regulators (not always active, funded, or competent) are supposed to assure that rates are actuarially justified: historical evidence, large enough pools to share risk, causality, and statistical validity. They are theoretically intended to pierce the mysterious veil insurers use for pricing. Here&#x27;s hoping state and provincial regulators step up their game at least as fast as the insurers.