The claims department at ABC Insurance Company believes that younger drivers have more accidents and therefore, should be charged higher insurance rates.
The company took a sample of $1,200$ policyholders revealed the following result on whether a claim had been filed in the last three years and the age of the policyholder.
The results were:
Age 16 to 25: 70 (no claim) and 74 (claim)
Age 25 to 40: 240 (no claim) and 58 (claim)
Age 40 to 55: 400 (no claim) and 44 (claim)
Age 55 or older: 190 (no claim) and 24 (claim)
Using a $0.05$ significance level, what is the appropriate null hypothesis in this study?