I'm sure they do. And maybe they're self insured, too. Per mile . That gets me thinking. I know its a statistical trick to equalize all of us, and coerce us into thinking that, basically, we're bad risks.
Lets look at a few hypothetical examples.
I'm just better at thinking of and spelling caucasian names. Mike, Joe, Barbie and Sue each had 2 accidents last year. Charlie had one. Mary had none. Mary must be a great driver - she had no accidents.