IRPM is commercial. Not sure about schedule B. But, actuarial studies clearly show that 59 year old male drivers with 3 cars and one ticket are 82% more likely to have a claim exceeding $18,762 in the next 16 months. I don't know what this guy is complaining about. Clearly he does not have a math background. And clearly TRV underwriters dropped the ball when they agreed to renew him
Stop whining. You should thank your lucky stars that TRV didn't drop you like a hot rock. Dirt-bags like you raise the rates for the rest of us TRV loyalists.