Those telltales are reactive, not predictive. If someone is consistently driving over 10 mph then they should be charged higher rates even if they themselves have not had an accident because they are engaging in quantifiably riskier (to themselves, others, and the claims department) behavior. I&#x27;m sure there&#x27;s people out there that drive like maniacs 90%+ of the time and haven&#x27;t had an accident, but that doesn&#x27;t mean they aren&#x27;t significantly more likely to do so in the future.<p>Knowing people engage in behavior objectively quantifiable as more risky is also strong evidence of increased level of risk for that driver, not an assumption that the given individual will have a given outcome.