Well I hate to vote "No" because I would fall into this category.

Overall though, as already stated, insurance companies work quite a bit differently than Jsp. Drivers enjoy the reward of extra money / reduced prices in turn for their safe driving. On jsp, if you get into a car crash (my example of breaking a rule or multiple ones depending on the severity) you receive a warn. You're supposed to use that warn to further learn and expand your experience of "safely driving". Members who are war less and work towards the greater good of the site do receive a reward, a trusted tag.
In theory this is a good idea however Jsp operates in quite a different manner than what a Insurance agency would.
-Jay