I understand that it's an algorithm for risk assessment, similar to how an insurance company assesses risk. It's nothing personal, but if you have speeding tickets on your record, and have a history of at fault accidents you're going to pay more or be dropped from coverage altogether. It's not that they think you are a bad man, it's that you possess to much risk.
Me, risky? Only when I ride my motorcycle whilst drunk and doing mag dumps with my ar all at the same time.
I have video if anyone wants to see it, Includes all my arrests.