LexisNexis, which generates consumer risk profiles for the insurers, knew about every trip G.M. drivers had taken in their cars, including when they sped, braked too hard or accelerated rapidly.
The quote about what is a hard brake exactly or heavy acceleration is most relevant to my thoughts. Without any context, are you hard braking to avoid dangers? How many hard brakes are acceptable? What is the penalty for hard braking, etc?
What happens if your specific vehicle has a sensor somewhat out of spec that keeps errantly triggering harsh braking? You wouldn’t know the sensor is activating, you wouldn’t know that the information is being fed to your insurance, and you wouldn’t know why your insurance is priced as it is. You have no transparency as to what is going on nor any realistic way of fixing the issue (because the vehicle runs fine after all and nobody can define what “harsh braking” even is).
Such a hypothetical situation is unlikely but even several dozen or hundred examples is a bit too much…
Also, since you are never directly informed that you are harshly braking or accelerating, you are unlikely to improve how you drive to avoid those things. If you had a notification that the braking action was a bit too harsh then you could strive to avoid that in the future… not so much if you are never told that in the first place.
What happens if your specific vehicle has a sensor somewhat out of spec that keeps errantly triggering harsh braking? You wouldn’t know the sensor is activating, you wouldn’t know that the information is being fed to your insurance, and you wouldn’t know why your insurance is priced as it is. You have no transparency as to what is going on nor any realistic way of fixing the issue (because the vehicle runs fine after all and nobody can define what “harsh braking” even is).
Such a hypothetical situation is unlikely but even several dozen or hundred examples is a bit too much…
Also, since you are never directly informed that you are harshly braking or accelerating, you are unlikely to improve how you drive to avoid those things. If you had a notification that the braking action was a bit too harsh then you could strive to avoid that in the future… not so much if you are never told that in the first place.
Also, what if you need to hard brake or hard accelerate in order to prevent a crash? There’s no way for them to determine that was the case.