Here is the different mentality. German geniuses are working on automated systems to avoid accidents. Soem already out are anti-lock brakes and electronic stability control. But coming is lane detection software, automatic braking for rear ends, object sensors that detect cars in the next lane and do not allow the car to run into them. Also automatic parking is coming, that could avoid a lot of minor collisions which cost a lot of money to fix.
In anglo-saxon nations we put our geniuses to work on actuarial tables, calculating different premiums for say a 5'7, lesbian, Irish woman who is 38 years old. Versus a 37 year old black man, 5'8, manchester city fan.
And yes our actuaries make at least as much money as those German engineers. But the engineers are working towards a permanent solution to the problem. While the actuaries are useless middlemen, collecting money but not changing the situation. No matter how many actuaries you have there is still the same number of accidents, and the same number of claims.
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