Even with perfect information about the past/present, there is still uncertainty which can be insured against. Current models are nowhere near precise enough, and probably will never get there (self-driving cars will replace the need for insurance at the individual driver level before we have perfect models of driving risk)
If internet comments are any indication you just adopt a circular definition of "good driver" where all those things disqualify one from being a good driver.
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Even with perfect information about the past/present, there is still uncertainty which can be insured against. Current models are nowhere near precise enough, and probably will never get there (self-driving cars will replace the need for insurance at the individual driver level before we have perfect models of driving risk)
How could there be certainty? Even a good driver can skid on ice or get hit by an uninsured driver running a light.
Indeed, how could there? There is inherent uncertainty to the future which cannot be known, and thus there is risk which can be insured against
If internet comments are any indication you just adopt a circular definition of "good driver" where all those things disqualify one from being a good driver.