"The Affordable Car Insurance Act (ACIA), which President-elect Donald Trump and the Republican-controlled Congress have vowed to repeal, was crafted to overcome two basic problems in the provision of car insurance in the United States. First, the costs are incredibly skewed, with just 10 percent of drivers accounting for almost two thirds of the nation's spending on cars that have been in accidents."
Actually, it's not from Dean's article. I've changed a few words.
But before you go and find his article, think through whether this 10 percent of drivers accounting for 2/3 of spending is a problem with car insurance. Once you've thought through that, go and read Dean's article.