&gt; If the behavior is not predictively relate increased claims activity, then it wouldn&#x27;t be penalized. They won&#x27;t just say &quot;driving 5 mph over the speed limit on the highways raises rates&quot; for no reason.<p>You&#x27;re assuming the insurance company has perfect information.<p>That&#x27;s the problem with all of this. The insurance company isn&#x27;t in the car. They don&#x27;t know <i>why</i> you&#x27;re doing what you&#x27;re doing.<p>And the problem is you get what you measure. Changing lanes without signalling will make an accident more likely 85% of the time but make it less likely 15% of the time. If you&#x27;re penalized 100% of the time then all the people who were doing the right thing in every case will now, in order to keep their insurance rates low, start doing the wrong thing 15% of the time.