Well , if you are , for example , half one race and half another and one of those halves matched them , then you would sort of be someone of the same race to them or at least half of you would be . <| sep |> You should show them NSFW . <| sep |> You can look at this chart to see how the surcharge and discounts get applied and how many levels you will be penalized for . crschart . gifHere is a real life example of how it worksI work in insurance so this is direct quotes for a 2017 Honda Civic Civic DX with a 20 % discount located in lower mainland to start and surcharges added in to show cost . They were quoted with $ 5 Mill Third Party $ 300 Collision $ 300 Comprehensive ONLY no extra stuff . Before Accident 20 % $ 4189 yearAfter AccidentYear one 10 % $ 5647 yearYear two 0 % $ 5136 yearYear three 5 % $ 4881 yearAccident If he had 1 more year of safe driving he would be back where he was . Insured NOW has to clear his new claim before his previous claim can be removed . Year four 55 % $ 7948 year Year five 40 % $ 7182 yearYear six 30 % $ 6670 year Accident again , what a shitty driver If he had 1 more year of safe driving he would be back where he was . Insured NOW has to clear his new claim before his previous claim can be removedYear seven 165 % $ 9646 Year eight 130 % $ 8375 Year nine 100 % $ 7285 Year ten 75 % $ 6377 Now this is where they go to 30 due to the most recent claim coming off , and they are finishing their previous claimYear eleven 30 % $ 6670 YearNow this is where they go to 5 due to the most recent claim coming off , and they are finishing their previous claimYear twelve $ 4881 yearNow this is where they go to where they started at due to the most last claim coming off , and they are done being punished for their previous claimTotal charged as surcharges $ 33 , 756 and my estimation of $ 55 , 000 difference extra that ICBC got out of them compared to if they were a safe driver and accumulated their discount until a 43 % discount Now take these numbers with a grain of salt , they are the most recent numbers and have the final numbers have NOT been taken into consideration of the age of the insurance that it will decrease as the vehicle gets older , that is WAY to complicated to do the math for properly as I cant see into the future , if I could I would be doing auto insurance obviously .