I 100% agree that more dangerous drivers should pay a higher premium, but there needs to be a fair, equal, transparent way to determine what dangerous is. Between law enforcement agencies, speed cameras and red light cameras, we have established well-tested legal frameworks which determine whether a driver is dangerous or not.

We we don't have are any legal or moral frameworks for passive, always-on methods of observation. Until we do, we shouldn't be letting private companies arbitrarily determine whether a driver is dangerous or not.