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Thanks for posting this. The findings are obvious if you think about it, but it is always good to have supporting data.

Bad driving behavior would be more effectively discouraged if the costs of such behavior were not socialized to other drivers. While premiums are usually raised for risky drivers post-collisions, it's hard to believe that such hikes allow full recapture of lifetime liabilities.

This reminds me of this scene from Fried Green Tomatoes:

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