TIL that word.

I wish as a society we'd use this form of taxation more, and widely applied taxes less. In theory insurance is supposed to have the actuarial people who figure it out and properly price the choices in, but it's also surprising how crude they can be-- lumping very distinct situations as "the same". eg aggressive drivers are only penalized after they hurt someone, like the phrase "no harm no foul" (until there is harm). It'd be better if telemetry was collected and penalized in realtime.