why is liability insurance only inconsistent and dependent on my car if it’s only damages I cause someone else

Question

why is liability insurance only inconsistent and dependent on my car if it’s only damages I cause someone else

In: 0

Answer 1

A lot of its is data. Simple data such as “how many accidents where this year make and model was at fault, and how much damages were caused” and more targeted such as “this is a larger/heavier vehicle so more likely to cause damage in the first place and more likely to cause lots of damage” I dont know much more cause I was only service, I didn’t even do claims stuff.