The signs they consider to be "bad driving" are high-g braking and turning.
Yet these are EXACTLY the same signs created by highly-skilled driver or racer operating at the limit, as they would to avoid an accident (thus costing the insurer $0), where the same situation would catch 90% of the low-g drivers into a wreck that totals the vehicle and causes injuries. A core element of high-performance driving for accident avoidance and racing is to understand the limits of tyre traction, and how to operate the car up to those limits — but not over them — i.e., just under the limit of sliding (sliding friction is always less than static or rolling friction), and to choose lines that maximize available traction.
Distinguishing the signs to tell a high-skilled driver from a bad driver requires more than just "is that number high?". You must look at the circumstances, the frequency, the conditions, the rate of increase and decrease of pressure, the slip angle, the grip state of all 4 tires, and more. But of course, no one bothers to do this.
It is the same kind of institutional stupidity that causes a world-class weightlifter with 4% body fat to be classed as "obese" because s/he scores high on the stupidly simplistic BMI scale(a ratio of weight to height).
Except with BMI insurance companies are not allowed to re-rate people and doctors can instantly adjust treatment when they see the person is obviously not obese but highly trained.
With auto insurance, they can secretly re-rate us on bogus numbers that actually down-rate the highly skilled.
Seems more attractive with every passing year to rebuild older nice cars than get into the new rolling spyware contraptions.