Why has car insurance gone up in price?

The price of insurance increases in order for drivers to be even more careful and the number of car accidents to decrease. In other words, this is a punitive action for reckless drivers. Is the increase in the number of accidents in Armenia related to the prices of car insurance or the carelessness of drivers? Let’s assume for a moment that unruly drivers become more careful under this option, but why should unruly drivers pay more? Details in the video: