Insurance rate & Hummer data

[MAC]

Insurance and auto companies collect data from all accidents, defects, repairs, warranty works and claims, which is used to determine the insurance premium of each model of vehicle. I have had cars I didn't think is any big deal, but premium was among the highest for whatever reasons.

In the past months, we have already seen many off road related accidents and damages on this forum, seems like they were covered by insurance or warranty, which is something I did not know. I assume all these must go into national data base to determine the Hummer insurance premium, that is how the insurance business works. This may not matter because a Honda or Toyata is more likely to be stolen.

Just wondering about it because I read so many off road damages here.
Note, this is not a debate about off road or not.