> Insurance shouldn't (but probably will anyway) go up when your brake pedal is discovered to be defective, because the insurance is there to pay for the financial loss caused by the defective pedal. The loss in the resale value of your car and the increase in future premiums are losses caused by the defective pedal.

I actually have (some) personal experience with that. When Toyota has the defective accelerator pedal issue:

1. I got a check from Toyota from a settlement compensating me for the reduced resale value of my car due to the issue.

2. Insurers sued Toyota for compensation for the claims they had to pay out: https://www.reuters.com/article/retire-us-toyota-insurance-i...