Corner cases aside, you will note the article compared similar plans and similar driver experience. Whether we can game the results for a particular driver is an academic problem most of us don’t have time/money to figure out.

Remember this important fact: when there’s more than one (eg private) insurer, none of them need insure you. When the only insurer is the gov, the books need to be more open and rejection becomes a media issue.

As a friend in Washington is discovering after a minor roof problem and then a major pipe problem a decade later, both involving water leaks, you can be dropped from your private insurer if they decide your two claims show a trend. And once you’ve been blackballed by one, you’re lucky to get insurance from anyone whose name isn’t, in fact, Lucky.