Colombia’s mandatory traffic accident insurance, SOAT, requires financial self-sufficiency. Experts propose a technical parameterization to segment risk factors, enabling tiered pricing. The current system doesn't adequately reflect the varying levels of risk associated with different motorcycle types and rider profiles. Implementing this change would mean premiums are calculated based on a vehicle’s likelihood of being involved in a fatal accident. This approach aims to create a more equitable system where safer riders pay lower premiums. The goal is to ensure the SOAT system remains viable and can adequately compensate victims of traffic accidents. This reform is crucial for balancing accessibility and financial sustainability within the insurance framework.