I suppose, but most people don't crash their cars that often. If they did, insurance would basically be unaffordable for most people just based on statistics of how much they'd have to pay out. No one in my family has had a major crash in 25 years.. most people I know haven't. Like all other things, I think it's a pretty skewed distribution. I dated a girl once that got rear-ended several times by age 30... You can tell something about her driving from that. Her record will show she's not at fault ever and gets good rates, but she causes accidents.