You are about to report the comment below to the Crash.Net moderators as being abusive.
An abusive comment may contain profanity, personal attacks or commercial SPAM.
Please do not report this comment as being abusive if you simply disagree with the
comment posted. If this is the case then you can click on the "disagree" icon () in the upper right
of the comment's post to show your dissatisfaction.
Crash.Net moderators will view all reported comments and will act as they deem necessary.
This may be editing the comment or total deletion.
On the question of who is making claims, that's not how the insurance industry works. They supposedly assess the putative risk of somebody making a claim, IOW premiums are not calculated from previous claims. Insurance companies have to factor in the likelihood of somebody successfully suing based on previous court cases, and of course the damages likely to be awarded. And remember insurance isn't just about personal damages and the like. Other things are covered such as the event being called off.
Then there's the fact that the insurers are not necessarily the most honest businesses in the world. They also work out premiums based on things like how much they think they can get away with charging or how much they have lost in other areas.