These kinds of things start out as tests to see what the market will accept and tolerate. If it gets enough traction, assuming there is a business case for it at scale, you better believe the insurance companies would prefer to make it a de facto enforced standard.
Do you want a future where you are auto compelled to give all of your driving behavioral data to them all the time? Because voluntarily participating in these programs for a temporary discount carrot on the stick is how we get there.
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