Well I mean actuaries are like savants. Years ago in uni my calc III college prof was one. Amazingly sharp dude. Do I think insurance companies over-generalize their risk assessments? Yupp. Do insurance companies likely ignore their actuaries and set premiums to make outrageous profit? Probably.
Disclosure: I hate insurance companies. Also that professor was super weird
It's funny that even though theft rates have plummeted since the mass software upgrade, premiums have stayed high. They have savant-level mathematicians (actuaries) evaluating risk and even with compelling data showing otherwise, they choose to keep labeling these cars high risk and continue to charge exorbitant premiums.
"I'm vegan! I don't need to shower! I don't produce mucus or smell because of my superior diet. Brb I'm gonna go wash my feet in the toilet!" -Steve Jobs
Always call the closing attorney's office before initiating the wire transfer on closing day. Back when I closed, I called their office and did a read-back on the wire information they had sent to make sure it was genuine. Once that money is wired there's no take-backs