I'd argue that most people drive like an asshole at least some of the time, which is exactly the problem. From an insurer's point of view, they want to find ways to qualify you as an asshole and therefore extract more money from you.
These trackers are literally looking at things like aggressive acceleration, sudden stops, lane changes, slightly over speed limits. All of these examples can very much be "safe" driving habits, required to safely move your vehicle in traffic. But any single event, without the context of the traffic surrounding it, can brand you as that asshole. These apps don't care about the context of the traffic around you.
>From an insurer's point of view, they want to find ways to qualify you as an asshole and therefore extract more money from you.
If an insurer starts needlessly penalizing people for minor violations of certain parameters, then another insurer will step up and offer lower premiums. I'm sure there's plenty of smart people at insurance companies that know a single event doesn't make a person more likely to cause a loss.
These trackers are literally looking at things like aggressive acceleration, sudden stops, lane changes, slightly over speed limits. All of these examples can very much be "safe" driving habits, required to safely move your vehicle in traffic. But any single event, without the context of the traffic surrounding it, can brand you as that asshole. These apps don't care about the context of the traffic around you.