Will the >insurance< be >punishing< the drivers?

Or is it more accurate to say it gives them an incentive to address the bad civil engineering through their behavior.

The insurance company is operating on an actuarial table that shows cornering with those accelerometer values is statistically involved in more accidents. The user will slow down because now they're aware of the requirements to make a safer turn. That is a third order effect based on the insurance company adding more information to the driver's calculus.

The 'punisher' here is the design that forces you to choose between dangerous turns or slow navigation.