marco and i are on the same page about NOT wanting them to start using tickets to determine insurance rates we just have different opinions about how icbc should go about lowering rates.

marco wants to increase the punishments for people who get into at fault accidents to reduce the cost to better drivers and i want to better train, test and educate drivers to reduce the overall number of accidents while leaving the current surcharge policy in place.

i've got a handful of tickets. most for stupid stuff like rolling a stop sign and speeding but no accidents. i don't think i should be paying more. but then who does?

Actually Joe, Pam, and Jerry are all considered safe drivers and treated the same now despite the different numbers of at-fault accidents each had. Under the new system, both Joe and Pam are still considered safe drivers whereas Jerry will be deemed a dangerous driver thus will pay a "surcharge" (trying to avoid the word premium since it's confusing).