I hope that one day, our cars are equipped with outward facing cameras, and the feature to auto-report speeding and dangerous driving behaviors on the road to the authorities and/or the insurers.
I drive in Miami proper and EVERY TIME I'm on the road (especially when heading into/out of Miami), I would encounter at least two cars that drives very dangerously (not just speeding, but like cutting across you--driving in the center lane--very closely from the right lane; not signaling and making a sudden right turn into a street in a crowded street; etc. I had to buy up a front and rear facing dashcams, and I sometimes wish I had a button on my steering wheel that would send the last 10 seconds or so of the dashcam recording to the insurance companies or the traffic police.
Not confirmation bias. I have lived in NYC and NJ (right across NYC); Philadelphia; and SF (that was 15 years ago, so maybe things have changed?). I have also driven in Boston, Houston, and LA. The most difficult (nerve-wrecking) places to drive were Miami and LA. At least in LA, you see traffic police cars every now and then, so people are a bit wary of speeding. Here in Miami, it is lawless (literally almost no traffic police car on the highway leading to Miami), which emboldens rule breakers.
I always drive defensively and I am sick of having to pay rising-significantly-faster-than-inflation-rate (part of it is greedflation by insurers, I think, and part of it is because I live in Miami, one of the most natural disaster prone places in the US) premiums for the last two years. It's worse when insurers claim that after COVID, people drive more recklessly and thus, they are paying out more (again, not sure if it is entirely true, but if it's solely based on my Miami driving experience, it likely has some sliver of truth).
I truly wish insurers have better information on driving behaviors to really punish reckless drivers, but I know that the reality would be that insurers will punish both reckless and defensive drivers because more profit.
I drive in Miami proper and EVERY TIME I'm on the road (especially when heading into/out of Miami), I would encounter at least two cars that drives very dangerously (not just speeding, but like cutting across you--driving in the center lane--very closely from the right lane; not signaling and making a sudden right turn into a street in a crowded street; etc. I had to buy up a front and rear facing dashcams, and I sometimes wish I had a button on my steering wheel that would send the last 10 seconds or so of the dashcam recording to the insurance companies or the traffic police.