a data scientist type i work with today, worked for a bit with an automotive insurance carrier down the road, and the highest predictor of accident rates is the miles driven. . which is why they ask questions for mileage each year, commuting to work amount, how often, etc.
and my colleague just had his car's rear fender ripped off while parked having dinner. .
less severe than a moving accident. . but he was like its still a pain in the azz
in ma, since they take you mileage at inspection time, and its a public record, or accessible some how, its all about the data for risk assessment.
good luck all
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