What if someone is a safe, high-mileage driver?
Even if an individual possesses excellent and safe driving habits, he is exposed to “dangerous” drivers and hazardous road conditions every time he drives. The more he drives, the greater his chances of having an accident. Therefore, the risk of an accident is correlated to the quantity of driving (roughly linear, all else being equal). MileMeter insurance is priced by the mile to reflect this risk factor and provide equitable pricing for everyone.