Jokes on them, I drive recklessly as hell and in twenty years am at fault for zero accidents, while my wife hates driving with me and drives incredibly cautiously and has been at fault in accidents. Can the algorithm see past 'this person accelerates quicker therefore should have a higher premium" because otherwise I feel like the old system was working. It was frustrating to pay more as a young male driver, but I've proven myself and my abilities behind the wheel and wish to continue to pay accordingly.