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you mean Ill be charged fairly thats a novel concept todays customer demand more value for their money not necessarily at the lowest cost but at the right cost some companies have business models that are difficult to change and adjust to these expectations so machine learning may come to the rescue take an auto insurance customer today his premium is calculated on a fixed amount for the whole year averaging out risks for him and his auto for that whole year in reality however risks change in real time when his car is parked in a garage chances of an accident or a catastrophe is small when hes driving on a crowded two-lane highway his risk is high so whats the big deal insurance companies average out the actual risk if the company estimates an average thats high then its making more money than it should if it estimates an average risk thats low then its losing more money and may shut down soon the ideal situation is when the premium changes with the risk with some buffer buil
