Insurance agents and economists see the world as numbers and probabilities. Accidents may seem random and unpredictable. But behind every event are a string of decisions and conditions that allow and maybe encourages an accident.
Risky behavior doesn’t seem risky because we get away with it over and over again. Commonplace everyday activity can seem safe. But usually a bunch of conditions were in place to allow and maybe even encourage something to take place.
Look hard enough at an accident and think about the underlying conditions and you might find out that it was inevitable. The timing might be random. And human behavior might be random. But the final outcome was predictable.