>The people who are causing the issues should be the ones paying additional into that pool. That's not fair to the people who don't file claims and get tickets

So you're basically just trying to eliminate insurance entirely? I mean, that's how a non-insurance world works -- those who have an issue, pay. Those who have no issues, don't.

The point of insurance is to spread costs across a wider group -- so when you do get hit with something, you don't have to pay the full amount out of pocket.

And you realize, right, that not everyone who has an issue "caused" it -- it's not like they did a hail dance to call up a storm or something.