Restricting insurers from using relevant data to calculate risk premiums is not the way to subsidize people who live in an area where traffic and road design are subpar.

If there is an unfair situation that needs to be rectified with a subsidy, it is best for the subsidy to transparent to prevent corruption.

For example, the knowledge of this subsidy can help propel political change to remedy road design so that some people are not driving in unsafe road designs.