>If you brake more aggressively, you will be involved in more accidents, but in fewer accidents that are considered your fault (courts and insurance companies will almost always find against the rear-ender).
I was talking to a kid once that was bragging about how his dad always got rear-ended, due to aggressive braking, but it was 'never his fault'. I was like "your dad is an asshole, that isn't something brag about."
That kid's dad is exactly why insurers push the OBD2 dongles and cell apps so hard.
The insurers want to know who those people are so they can jack their rate preemptively because there's a non-trivial chance that a) both parties in a collision have the same insurer b) the rear ended party's conduct is both indefensible and caught on camera and their insurer will wind up paying out anyway.
If you've been rear-ended, chances are the person behind you wasn't a very good driver. If you've been rear-ended 7 times, chances are that you are the person who isn't a very good driver.
Insurers want those things to jack up all of our rates no matter how we drive. Give them enough data and they'll find something to justify screwing you over no matter how you drive.
That’s not how insurers are permitted to set rates by state regulators and also it’s a good way to go out of business due to what’s known as adverse selection.
There's only one state in the US that prevents data collected from cars being used to increase your rates.
Drive at night? Your rates go up. Drive "too often"? Your rates go up. Hit the breaks and successfully avoid hitting an animal or person suddenly running into the road? Your rates go up. Good luck counting on captured regulators to protect you. They did nothing to stop insurance companies from using records purchased from data brokers for ages. The EFF is calling on them to do more but don't expect much. https://www.eff.org/deeplinks/2023/06/steering-mobility-data...
What you’re describing is segmentation, which is another way of saying geico charges the people without speeding tickets less than those with speeding tickets.
If ACME co decides to charge everyone the same, then the drivers without speeding tickets will go switch to geico leaving ACME holding the bag of speeders… and losing a ton of money since prices weren’t set for that.
Switch speeding tickets with hard breaking or whatever other thing correlated with accidents.
Also, as far as fairness goes, using actual driving behavior sound far better to me than using credit scores. But strangely I don’t see nearly the same level of complaints about that
I was talking to a kid once that was bragging about how his dad always got rear-ended, due to aggressive braking, but it was 'never his fault'. I was like "your dad is an asshole, that isn't something brag about."