> It makes sense to share your data with an insurance provider if you are a well-behaved driver.

I would like to see evidence of this.

My experience: discount for sharing is low, maybe $100/year.

My expectation: if I actually get in an accident (1) the data I shared will be used against me; (2) my insurance provider will put me in a high risk pool or drop me.

It seems to me that the downside is really high and the upside is not.

Is that wrong?

P.S. If I actually had faith in all of the companies involved, I would certainly agree with the parent. However, I don't.