A former girlfriend of mine came home one day with one of these devices plugged into her car. She was the kind of person who just said "yes" to whatever was on the form and she simply picked the lowest price option. My head immediately goes to the scenario where theres been some kind of an accident. Maybe it's a fender bender or maybe a pedestrian was hit. In one case you have a couple damaged cars and a deductible. In the other case you're facing down a manslaughter charge and even if you're not at fault it's going to ruin your life.

So now imagine law enforcement has access to your cumulative driving habits/traits and the last 20 minutes of driving that day. Imagine the insurance company has processed that data for its own purpose and assigned some kind of (totally arbitrary and contrived) "aggressive" or "risk" rating to certain actions etc. Law enforcement now has a prepackaged report that will invariably say you're a terrible driver. Of course the data collected is going to say that as the insurance companies aren't in business to charge people LESS money.

Now, whether or not you were or were not driving in a reckless manner, theres data to make a case with and nobody is perfect. That data may or may not reflect the reality of the situation and even so, prosecutors are known to take the easy route to boost their own stats. Now imagine a prosecutor looking for an easy win has a prepackaged report of biased information from the insurance company?

This whole thing seems like a way to possibly save a trivial amount of money in exchange for an increased likelihood of Really Bad Things happening to you.