That would be a better bill: insurance cannot consider incidents one isn't at fault for when determining a rate. Absolute scumbags.

Scumbaggery of insurance companies aside, if someone gets into ten accidents a year where they're deemed not at fault, I would still be very skeptical of that person as a driver. I would not find it immoral to apply higher rates in that situation.

If they are so reckless there would surely be a better signal alongside that one?