[mc32]

Ok let's say you had a delivery business and have all the insurance necessary. You're saying you're equally likely to use a driver who has a history of careless driving as you would a driver who has a history of driving safely because you're covered by insurance.

I'm claiming people are seeking avoidance. People would rather have the deterrent effect, so that they might avoid the hassles of going through claims and then waiting for things to be righted.