Nor does it actually confirm that the plate _matches_ the car.

Otherwise i'd spend some time 3d printing something that looks a LOT like my neighbors license plate and wait until 1 AM and just blow the same red light over and over and over.

Idk about your state, but many have a 'swizzle' vertical or two that I'm pretty sure is to assist readers and detect fakes...

For insurance underwriting, would it need to? "People whose household receive X anonymous tips" is a cohort that either does or does not have more insurable risk, and if it does correlate then you can make an attempt to adjust premiums accordingly.

The driver doesn’t matter when it comes to insurance. It’s the owner of the car who holds the policy.

It doesn't matter, right? It's the vehicle that is insured