Where I live, speeding and red light cameras can only issue fines to the plate holder and don't affect the demerit points of the driver because they don't have evidence of who was driving the vehicle. I imagine it would go the same way with insurance. Unless a cop pulls the person over and gets their ID, tough luck.
The comment you’re responding to is postulating enforcement via higher insurance costs. If insurance gets ~20 reports of someone running a red light, maybe they’ll double the cost to insure that person.
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.
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.
