The need to revise the car insurance pricing pattern to increase traffic safety

The current method of pricing third-party car insurance, in which the car owner annually pays a fixed rate, regardless of the risk factors involved, is a subsidy provided by low-risk drivers to high-risk drivers. On the other hand, the current method of determining and receiving premium insurance does not provide insurance companies and policymakers with the means to reduce costs and improve traffic safety. However, one of the categories that can play an effective role in reducing traffic accidents and risk in traffic safety through tools and appropriate pricing policies is the insurance industry. Improving safety and reducing accidents can not only directly reduce insurance companies' costs and their profitability but also benefit the community as a whole. As a result, the importance and necessity of changing the pricing pattern of insurance coverage to improve traffic safety seems to be more than necessary