Just honestly asking Im not a statistician. From a lay person looking high level this seems weird. The conclusion also does not match up with insurance prices that I've personally seen nor correspond with my experience.

I'm here for discussion not trying to put anyone down. Could someone just explain to me what I'm missing. No need to downvote. So if you take a non random sample of data how can you extrapolate that out so much? Does this data line up with other people's data? What am I missing?